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<br />But if any of the above, in Paragraphs (1) d.(1) Wear and tear;
<br />through (5), results in fire, explosion or
<br /> (2) Rust or other corrosion, decay,
<br />sprinkler leakage, we will pay for the loss or
<br />deterioration, hidden or latent defect or
<br />damage caused by that fire, explosion or
<br />any quality in property that causes it to
<br />sprinkler leakage (if sprinkler leakage is a
<br />damage or destroy itself;
<br />Covered Cause of Loss).
<br /> (3) Smog;
<br /> h. "Fungus", Wet Rot, Dry Rot And
<br /> (4) Settling, cracking, shrinking or
<br />Bacteria
<br />expansion;
<br />Presence, growth, proliferation, spread or
<br /> (5) Nesting or infestation, or discharge or
<br />any activity of "fungus", wet or dry rot or
<br />release of waste products or secretions,
<br />bacteria.
<br />by insects, birds, rodents or other
<br />But if "fungus", wet or dry rot or bacteria
<br />animals.
<br />result in a "specified cause of loss", we will
<br /> (6) Mechanical breakdown, including
<br />pay for the loss or damage caused by that
<br />rupture or bursting caused by centrifugal
<br />"specified cause of loss".
<br />force. But if mechanical breakdown
<br />This exclusion does not apply:
<br />results in elevator collision, we will pay
<br /> (1) When "fungus", wet or dry rot or bacteria for the loss or damage caused by that
<br />result from fire or lightning; or elevator collision.
<br /> (2) To the extent that coverage is provided (7) The following causes of loss to personal
<br />in the Additional Coverage, Limited
<br />property:
<br />Coverage For "Fungus", Wet Rot, Dry
<br /> (a) Dampness or dryness of
<br />Rot And Bacteria, with respect to loss or
<br />atmosphere;
<br />damage by a cause of loss other than
<br /> (b) Changes in or extremes of
<br />fire or lightning.
<br />temperature; or
<br />Exclusions B.1.a. through B.1.h. apply whether
<br /> (c)Marring or scratching.
<br />or not the loss event results in widespread
<br />damage or affects a substantial area.
<br />But if an excluded cause of loss that is
<br />listed in 2.d.(1) through (7) results in a
<br /> 2. We will not pay for loss or damage caused by
<br />"specified cause of loss" or building glass
<br />or resulting from any of the following:
<br />breakage, we will pay for the loss or
<br /> a. Artificially generated electrical, magnetic or
<br />damage caused by that "specified cause of
<br />electromagnetic energy that damages,
<br />loss" or building glass breakage.
<br />disturbs, disrupts or otherwise interferes
<br /> e. Explosion of steam boilers, steam pipes,
<br />with any:
<br />steam engines or steam turbines owned or
<br /> (1) Electrical or electronic wire, device,
<br />leased by you, or operated under your
<br />appliance, system or network; or
<br />control. But if explosion of steam boilers,
<br /> (2) Device, appliance, system or network steam pipes, steam engines or steam
<br />utilizing cellular or satellite technology. turbines results in fire or combustion
<br />explosion, we will pay for the loss or
<br />For the purpose of this exclusion, electrical,
<br />damage caused by that fire or combustion
<br />magnetic or electromagnetic energy
<br />explosion. We will also pay for loss or
<br />includes but is not limited to:
<br />damage caused by or resulting from the
<br /> (a) Electrical current, including arcing;
<br />explosion of gases or fuel within the furnace
<br />of any fired vessel or within the flues or
<br /> (b) Electrical charge produced or
<br />passages through which the gases of
<br />conducted by a magnetic or
<br />combustion pass.
<br />electromagnetic field;
<br /> f. Continuous or repeated seepage or
<br /> (c) Pulse of electromagnetic energy; or
<br />leakage of water, or the presence or
<br /> (d) Electromagnetic waves or
<br />condensation of humidity, moisture or
<br />microwaves.
<br />vapor, that occurs over a period of 14 days
<br />But if fire results, we will pay for the loss or
<br />or more.
<br />damage caused by that fire.
<br /> b. Delay, loss of use or loss of market.
<br /> c. Smoke, vapor or gas from agricultural
<br />smudging or industrial operations.
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