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1. Limited Coverage For "Fungi", Wet Rot,
<br />(1) occurrences of "specified causes of
<br />Dry Rot, Bacteria and Virus
<br />loss" (other than fire or lightning); and
<br />a. The coverage described in 1.b. below only
<br />(2) Equipment Breakdown Accident that
<br />applies when the "fungi", wet or dry rot,
<br />occurs to Equipment Breakdown
<br />bacteria or virus is the result of one or
<br />Property;
<br />more of the following causes that occurs
<br />which take place in a 12-month period
<br />during the policy period and only if all
<br />(starting with the beginning of the
<br />reasonable means were used to save and
<br />present annual policy period).
<br />preserve the property from further damage
<br />at the time of and after that occurrence.
<br />With respect to a particular occurrence of
<br />loss which results in "fungi", wet or dry rot,
<br />(1) A "specified cause of loss" other than
<br />bacteria or virus, we will not pay more
<br />fire or lightning;
<br />than the total of $50,000 unless a higher
<br />(2) Equipment Breakdown Accident
<br />Limit of Insurance is shown in the
<br />occurs to Equipment Breakdown
<br />Declarations, even if the "fungi", wet or dry
<br />Property, if Equipment Breakdown
<br />rot, bacteria, or virus continues to be
<br />applies to the affected premises.
<br />present or active, or recurs, in a later
<br />b. We will pay for loss or damage by "fungi",
<br />policy period.
<br />wet rot, dry rot, bacteria and virus. As
<br />d. The coverage provided under this Limited
<br />used in this Limited Coverage, the term
<br />Coverage does not increase the applicable
<br />loss or damage means:
<br />Limit of Insurance on any Covered
<br />(1) Direct physical loss or direct physical
<br />Property. If a particular occurrence results
<br />damage to Covered Property caused by
<br />in loss or damage by "fungi", wet rot, dry
<br />"fungi", wet rot, dry rot, bacteria or virus,
<br />rot, bacteria or virus, and other loss or
<br />including the cost of removal of the
<br />damage, we will not pay more, for the total
<br />"fungi", wet rot, dry rot, bacteria or virus;
<br />of all loss or damage, than the applicable
<br />Limit of Insurance on the affected Covered
<br />(2) The cost to tear out and replace any part
<br />Property.
<br />of the building or other property as
<br />needed to gain access to the "fungi", wet
<br />If there is covered loss or damage to
<br />rot, dry rot, bacteria or virus; and
<br />Covered Property, not caused by "fungi",
<br />(3) The cost of testing performed after
<br />wet rot, dry rot, bacteria or virus, loss
<br />removal, repair, replacement or
<br />payment will not be limited by the terms of
<br />restoration of the damaged property is
<br />this Limited Coverage, except to the extent
<br />completed, provided there is a reason
<br />that "fungi", wet or dry rot, bacteria or virus
<br />to believe that "fungi", wet rot, dry rot,
<br />causes an increase in the loss. Any such
<br />bacteria or virus are present.
<br />increase in the loss will be subject to the
<br />terms of this Limited Coverage.
<br />c. Unless a higher Limit of Insurance is shown
<br />in the Declarations for Limited "Fungi",
<br />e. The terms of this Limited Coverage do not
<br />Bacteria or Virus Coverage, the coverage
<br />increase or reduce the coverage for Water
<br />described under this Limited Coverage is no
<br />Damage provided under provision B.1.h.,
<br />more than the Limit of Insurance stated in the
<br />Exclusion — Water Damage of the Standard
<br />Declarations for Building and Business
<br />Property Coverage Form or Additional
<br />Personal Property, but not greater than
<br />Coverage provision A.5.n., Water Damage,
<br />$50,000.
<br />Other Liquid, Powder or Molten Material
<br />Damage of the Special Property Coverage
<br />If form SS 04 41, Computers and Media,
<br />Form.
<br />and form SS 04 45, Personal Property of
<br />Others, are made a part of this policy, then
<br />f. The following applies only if a Time Element
<br />the Limits of Insurance for Computers and
<br />Coverage applies to the "scheduled
<br />Media, and Personal Property of Others is
<br />premises" and only if the suspension of
<br />included within this coverage limit. This
<br />'operations" satisfies all the terms and
<br />coverage is made applicable to separate
<br />conditions of the applicable Time Element
<br />"scheduled premises" as described in the
<br />Coverage.
<br />Declarations. Regardless of the number
<br />(1) If the loss which resulted in "fungi",
<br />of claims, this limit is the most we will pay
<br />wet or dry rot, bacteria or virus does
<br />per "scheduled premises" for the total of
<br />not in itse
<br />all loss or damage arising out of all
<br />of "operati RiskMmWmatDMsian
<br />is necessa °; R�Euve°& BY.
<br />Page 2 of 3
<br />— -- Wsk Pjanagement Analpt
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