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Hanover Insurance Group- ODF D785344 5701644 enough business personal (c) Covered Property consisting of several property to conduct customary parts when complete, we will only pay for "operations". the value of the lost or damaged part. (b) When this policy is issued to F. Property General Conditions the owner or general lessee of 1. Control of Property a building, building means the entire building. Such building is Any act or neglect of any person other than vacant unless at least 31% of you beyond your direction or control will not its total square footage is: affect this insurance. (i) Rented to a lessee or The breach of any condition of this Coverage sub -lessee and used by the Form at any one or more locations will not lessee or sub -lessee to affect coverage at any location where, at the conduct its customary time of loss or damage, the breach of operations; and/or condition does not exist. (ii) Used by the building owner 2. Mortgageholders to conduct customary a. The term mortgageholder includes operation. trustee. (2) Buildings under construction or b. We will pay for covered loss of or renovation are not considered damage to buildings or structures to vacant when customary operations each mortgageholder shown in the cannot be conducted as a direct Declarations In their order of precedence, result of the construction or as interests may appear. renovation. c. The mortgageholder has the right to b. Vacancy Provisions receive loss payment even if the If the building or leased space where mortgageholder has started foreclosure loss or damage occurs has been or similar action on the building or vacant for more than 60 consecutive structure. days before that loss or damage d. If we deny your claim because of your occurs: acts or because you have failed to (1) We will not pay for any loss or comply with the terms of this Coverage damage caused by any of the Form, the mortgageholder will still have following even if they are Covered the right to receive loss payment if the Causes of Loss: mortgageholder: (a) Vandalism; (1) Pays any premium due under this (b) Sprinkler leakage due to policy at our request if you have failed to do so; freezing, unless you have protected the system against (2) Submits a signed, sworn proof of loss freezing; within 60 days after receiving notice (c) Building glass breakage; from us of your failure to do so; and (d) Water damage; (3) Has notified us of any change in ownership, occupancy or substantial (e) "Theft"; or change In risk known to the (f) Attempted "theft". mortgageholder. (2) With respect to Covered Causes of All of the terms of this Coverage Form Loss other than those listed in will then apply directly to the paragraphs (a), (b), (c), (d), (e) and mortgageholder. (f) above, we will reduce the e. If we pay the mortgageholder for any loss amount we would otherwise pay for or damage and deny payment to you the loss or damage by 15%. because of your acts or because you 8. Pair, Sets or Parts have failed to comply with the terms of this Coverage Form: For pairs or sets, we will either: (1) The mortgageholder's rights under (a) Repair or replace any part to restore the mortgage will be transferred to us the value and condition of the pair or to the extent of the amount we pay; set to that immediately before the and covered loss or damage; or (b) Pay the difference between the value of (2) The mortgageholder's right to recover the full amount of the the pair or set before and after the covered loss or damage. ILL�y µ i3RMmag'ah1ed])MsiuR REVIEWED & APPROVED SY: 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permiss , ., , ° , JN `� --� Rusk Pjanagement Analyst