An exclusion in a homeowner's insurance policy for damage caused by "wear and tear" does not have the word, "abnormal," in it. The exclusion is not limited to only "abnormal" wear and tear. It applies to all wear and tear, including the wear and tear that contributed to the homeowners' roof damage in the case at bar. The Tenth Circuit Court of Appeals therefore affirmed a Colorado Federal District Judge's Summary Judgment for the homeowner's carrier in Gallegos v. Safeco Ins. Co. of Am., 646 F. App'x 689, 694 (10th Cir. 2016) (case involved Colorado substantive law).
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