(a)  We will not pay for loss or damage caused by or resulting from wear and tear, any quality in the property that causes it to damage or destroy itself, gradual deterio- ration, insects, birds, rodents or other animals;

(b)  We will not pay for loss or damage caused by or resulting from dampness or dryness of atmos- phere, or changes in or extremes of temperature;

(c)  We will not pay for loss or damage caused by or resulting from any repairing, restoration or re- touching process;

(d)  We will not pay for loss or damage caused by or resulting from faulty packing;