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(3) Electronic Vandalism Additional
<br />Coverage.
<br />p. Commercial tools and small equipment
<br />except as provided in SECTION I -
<br />PROPERTY, A. Coverage, 5. Additional
<br />Coverages, v. Commercial Tools and
<br />Small Equipment or for contractor's
<br />equipment specifically endorsed and
<br />scheduled. This does not apply to your
<br />commercial tools and small equipment
<br />permanently installed or exclusively
<br />used at the described premises;
<br />q. Employee tools and small equipment
<br />except as provided for in SECTION I -
<br />PROPERTY, A. Coverage, 5. Additional
<br />Coverages, v. Commercial Tools and
<br />Small Equipment or when added by
<br />separate endorsement;
<br />r. Bridges (unless the bridge is made a
<br />part of a covered Building), roadways,
<br />walks, patios or other paved surfaces,
<br />except as provided in SECTION I -
<br />PROPERTY, A. Coverage, 6. Coverage
<br />Extensions, I. Paved Surfaces;
<br />s. Underground pipes, flues or drains
<br />except as provided in SECTION I -
<br />PROPERTY, A. Coverage, 6. Coverage
<br />Extensions, m. Underground Pipes; and
<br />t. Personal Property while airborne or
<br />waterborne.
<br />3. Covered Causes of Loss
<br />Risks of direct physical loss unless the loss
<br />is:
<br />a. Excluded in SECTION I - PROPERTY, B.
<br />Exclusions; or
<br />b. Limited in SECTION I - PROPERTY, A.
<br />Coverages, 4. Limitations
<br />4. Limitations
<br />a. We will not pay for loss of or damage
<br />to:
<br />(1) Property that is missing, where the
<br />only evidence of the loss or
<br />damage is a shortage disclosed on
<br />taking inventory, or other instances
<br />where there is no physical
<br />evidence to show what happened
<br />to the property. This limitation does
<br />not apply to SECTION I -
<br />PROPERTY, A. Coverage, 5.
<br />Additional Coverages, s. Money and
<br />Securities.
<br />(2) Property that has been transferred
<br />to a person or to a place outside
<br />the described premises on the
<br />basis of unauthorized instructions.
<br />in the building or structure,
<br />caused by or resulting from rain,
<br />snow, sleet, ice, sand or dust,
<br />whether driven by wind or not,
<br />unless:
<br />(a) The building or structure first
<br />sustains damage by a
<br />Covered Cause of Loss to its
<br />roof or walls through which
<br />the rain, snow, sleet, ice, sand
<br />or dust enters; or
<br />(b) The loss or damage is caused
<br />by or results from thawing of
<br />snow, sleet or ice on the
<br />building or structure.
<br />(4) Lawns, trees, shrubs or plants
<br />which are part of a vegetated roof,
<br />caused by or resulting from:
<br />(a) Dampness or dryness of
<br />atmosphere or of soil
<br />supporting the vegetation;
<br />(b) Changes in or extremes of
<br />temperature;
<br />(c) Disease;
<br />(d) Frost or hail; or
<br />(a) Rain, snow, ice or sleet
<br />b. We will not pay for loss of or damage
<br />to the following types of property
<br />unless caused by any of the "specified
<br />causes of loss" or building glass
<br />breakage:
<br />(1) Animals, and then only if they are
<br />killed or their destruction is made
<br />necessary.
<br />(2) Fragile articles such as glassware,
<br />statuary, marble, chinaware and
<br />porcelain, if broken. This
<br />restriction does not apply to:
<br />(a) Glass that is part of the
<br />exterior or interior of a
<br />building or structure;
<br />(b) Containers of property held for
<br />sale; or
<br />(c) Photographic or scientific
<br />instrument lenses.
<br />c. For loss or damage by "theft", the
<br />following types of property are
<br />covered only up to the limits shown:
<br />(1) $10,000 for furs, fur garments and
<br />garments trimmed with fur.
<br />(2) $10,000 for jewelry, watches,
<br />watch movements, jewels, pearls,
<br />precious and semi-precious
<br />stones, bullion_ hold. silver_
<br />(3) The interior of any building or platinum a
<br />structure, or to personal property or metals
<br />apply to
<br />worth $25(
<br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permissic
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<br />® Risk Management Specialist
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