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c. Governmental Action
<br />Seizure or destruction of property by order
<br />of governmental authority.
<br />But we will pay for loss or damage caused
<br />by or resulting from acts of destruction
<br />ordered by governmental authority and
<br />taken at the time of a fire to prevent its
<br />spread, if the fire would be covered under
<br />this Coverage Part.
<br />d. Nuclear Hazard
<br />Nuclear reaction or radiation, or radioactive
<br />contamination, however caused.
<br />But if nuclear reaction or radiation, or
<br />radioactive contamination, results in fire,
<br />we will pay for the loss or damage caused
<br />by that fire.
<br />e. Utility Services
<br />The failure of power, communication, water
<br />or other utility service supplied to the
<br />described premises, however caused, if the
<br />failure:
<br />(1) Originates away from the described
<br />premises; or
<br />(2) Originates at the described premises, but
<br />only if such failure involves equipment
<br />used to supply the utility service to the
<br />described premises from a source away
<br />from the described premises.
<br />Failure of any utility service includes lack of
<br />sufficient capacity and reduction in supply.
<br />Loss or damage caused by a surge of pow-
<br />er is also excluded, if the surge would not
<br />have occurred but for an event causing a
<br />failure of power.
<br />But if the failure or surge of power, or the
<br />failure of communication, water or other ut-
<br />ility service, results in a Covered Cause of
<br />Loss, we will pay for the loss or damage
<br />caused by that Covered Cause of Loss.
<br />Communication services include but are not
<br />limited to service relating to Internet access
<br />or access to any electronic, cellular or
<br />satellite network.
<br />f. War And Military Action
<br />(1) War, including undeclared or civil war;
<br />(2) Warlike action by a military force, inclu-
<br />ding action in hindering or defending
<br />against an actual or expected attack, by
<br />any government, sovereign or other
<br />authority using military personnel or
<br />other agents; or
<br />(3) Insurrection, rebellion, revolution,
<br />usurped power, or action taken by
<br />governmental authority in hindering or
<br />defending against any of these.
<br />g. Water
<br />(1) Flood, surface water, waves (including
<br />tidal wave and tsunami), tides, tidal
<br />water, overflowof any body of water, or
<br />spray from any of these, all whether or
<br />not driven by wind (including storm
<br />surge);
<br />(2) Mudslide or mudflow;
<br />(3) Water that backs up or overflows or is
<br />otherwise discharged from a sewer,
<br />drain, sump, sump pump or related
<br />equipment;
<br />(4) Water under the ground surface
<br />pressing on, or flowing or seeping
<br />through:
<br />(a) Foundations, walls, floors or paved
<br />surfaces;
<br />(b) Basements, whether paved or not; or
<br />(c) Doors, windows or other openings;
<br />or
<br />(5) Waterborne material carried or other-
<br />wise moved by any of the water referred
<br />to in Paragraph (1 ), (3 ) or (4 ), or
<br />material carried or otherwise moved by
<br />mudslide or mudflow.
<br />This exclusion applies regardless of whet-
<br />her any of the above, in Paragraphs (1)
<br />through (5), is caused by an act of nature
<br />or is otherwise caused. An example of a
<br />situation to which this exclusion applies is
<br />the situation where a dam, levee, seawall
<br />or other boundary or containment system
<br />fails in whole or in part, for any reason, to
<br />contain the water.
<br />But if any of the above, in Paragraphs (1)
<br />through (5), results in fire, explosion or
<br />sprinkler leakage, we will pay for the loss
<br />or damage caused by that fire, explosion or
<br />sprinkler leakage (if sprinkler leakage is a
<br />Covered Cause of Loss).
<br />h. "Fungus", Wet Rot, Dry Rot And
<br />Bacteria
<br />Presence, growth, proliferation, spread or
<br />any activity of "fungus", wet or dry rot or
<br />bacteria.
<br />But if "fungus", wet or dry rot or bacteria
<br />result in a "specified cause of loss",we will
<br />pay for the loss or damage caused by that
<br />"specified cause o
<br />Page 2 of 10 © Insurance Services Office,lnc., 2011
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<br />Risk MmVme dDMsfan
<br />REVIEWED & APPROVED BY.-
<br />P1. M44441
<br />Risk Management Analyst
<br />
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