Policy Form Specialty Homeowners Specialty Homeowners *Enhanced/Full Repair HO-3 HO-8 A. Dwelling Coverage Named Peril Coverage Named Peril Coverage All Risk Coverage Named Peril Coverage Fire, Lightning & Internal Explosion Yes Yes Yes Yes Smoke Yes, but not by fireplaces or agricultural smudging Yes, but not by fireplaces or agricultural smudging Yes Yes
The sebaceous glands secrete sebum into hair follicles. Sebum is an oil, that keeps the skin moist and soft and acts as a barrier against foreign substances. The hair follicles produce the various types of hair found throughout the body. Hair not only contributes to a person's appearance but has a number of important physical roles, including regulating body temperature, providing protection from injury, and enhancing sensation.
Thus the outer part of the epidermis is made up of flaky materials that constantly rub off. If you look at the skin under a microscope, you can see some of these cells. You will also see a number of openings. Some of these openings lead to oil glands located in the dermis. These glands secrete an oil which keeps the skin soft and pliable. Most of the openings, or pores, lead to sweat glands in the dermis. These sweat glands take up waste materials from the blood and carry them through the pores to the surface.