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B. Covered Causes Of Loss Covered Causes Of Loss means risks of direct physical loss of or damage to Covered Property, unless the loss is excluded or limited in this policy. C. Coverage Extension — Loss Of Use We will pay for loss of use of Covered Property which is property of others in your care, custody or control for which you are legally liable, subject to the following: 1. The loss of use must result from direct physical loss of or damage to such property by a Covered Cause of Loss; 2. Our payment for loss of use under this extension will be limited to the lesser of the value of, or the use of, the specific item of property that has been lost or damaged, but only: a. For the period of time it should take to repair, rebuild or replace that specific item of property with reasonable speed and similar quality; or b. Until we have paid to repair or replace that specific item of property, whichever occurs first. This provision applies regardless of whether such item forms a part of any larger apparatus, assembly, package or collection of such property. 3. Our payment for loss of use under this extension applies in addition to the Limit Of Insurance shown in the Declarations for Third Party Property Damage. 4. This extension does not apply to any: a. Liquidated damages; b. Penalties; c. Amounts for rent that may accrue after the time of loss; d. Values agreed to prior to the loss; e. Loss of use of property in your care, custody or control which is not permanently part of a rented location. 5. We will not pay more for loss of use of Covered Property than the replacement cost of the specific item of property that has been lost or damaged. D. Additional Exclusions We will not pay for loss or damage caused by or resulting from any of the following: 1. Damage to or destruction of property caused intentionally by or at the direction of any "insured"; 2. The failure of any "insured" to provide reasonable and proper care of Covered Property; 3. Order of any civil authority, including seizure, confiscation, destruction, or quarantine of property. However, we cover loss or damage resulting from acts of destruction by the civil authority to prevent the spread of fire, if the fire is caused by a Covered Cause of Loss not otherwise excluded under this coverage form; 4. a. Insects, vermin; contamination; deterioration including corrosion, decay or rust; any quality in the property that causes it to damage or destroy itself; b. The presence, growth, proliferation, spread or any activity of fungus, wet or dry rot or bacteria. However, this exclusion does not apply when fungus, wet or dry rot or bacteria result from fire or lightning. As used in this paragraph, fungus means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents or by-products produced or released by fungi; 5. The explosion, rupture, or bursting of steam boilers, steam or gas turbines, steam pipes, or steam engines. This exclusion applies only to loss or damage to the steam boilers, steam or gas turbines, steam pipes, or steam engines in which the loss occurred; 6. Any mechanical, structural, or electrical breakdown or malfunction including a breakdown or malfunction resulting from a structural, mechanical, or reconditioning process; RAMuagmadDlMsian wwlREVIEWED & APPROVED BY:Includes copyrighted material of Insurance Services Office, Inc., with its permissic� Risk Management Specialist