What term describes a quality within an object that tends to damage or destroy itself?

The term that describes a quality within an object that tends to damage or destroy itself is "Inherent Vice." This term refers to the natural characteristics or flaws of an object that can lead to its deterioration or failure over time, regardless of external factors. For example, certain materials may corrode, fade, or be susceptible to mold due to their own properties.

Inherent vice is particularly significant in the context of insurance, as items with this quality may not be eligible for coverage due to the understanding that their damage or degradation is a result of their fundamental nature rather than external causes. Understanding this concept helps both agents and insured individuals recognize the limitations of coverage and the importance of proper risk management regarding items that have inherent vices.