Wear and tear exclusion is a common exclusion that is included in many insurance contracts. It essentially means that insurance coverage will not apply to any damage or losses caused by normal deterioration of the insured property over time. Wear and tear falls into the category of 'wear and tear damage' and covers a broad range of issues that may arise with the normal usage of an asset.

For example, if the roof of the insured property starts to suffer from moss or other natural wear and tear over time, it would not be covered by the insurance policy. It is important to note that the insurance company and the insured may have different perspectives on what is considered 'normal wear and tear' and it is worth discussing this with the insurer before any claim is made.

When it comes to wear and tear, it is important to note that it is caused by something other than a sudden or accidental incident. Thus, if an incident occurs that is not considered normal wear and tear, such as a storm or fire, then it is likely to be covered by the insurance policy. It is also important to note that wear and tear can be caused by improper use, such as overworking an asset. If this is the case, then it is still likely to be excluded from coverage, as it is not considered 'normal' wear and tear.

In conclusion, although wear and tear is not covered by insurance policies, it is still important to consider it when assessing the condition of insured property in terms of possible damage or loss. This can help to ensure that the insurance company is made aware of any claims related to damage caused by 'normal' wear and tear.