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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 used
<br />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 part
<br />of a covered Building), roadways, walks,
<br />patios or other paved surfaces, except as
<br />provided in SECTION I — PROPERTY, A.
<br />Coverage, 6. Coverage Extensions, I.
<br />Paved Surfaces;
<br />s. Underground pipes, flues or drains except
<br />as provided in SECTION I — PROPERTY,
<br />A. Coverage, 6. Coverage Extensions,
<br />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 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 to:
<br />(1) Property that is missing, where the
<br />only evidence of the loss or damage is
<br />a shortage disclosed on taking
<br />inventory, or other instances where
<br />there is no physical evidence to show
<br />what happened to the property. This
<br />limitation does not apply to SECTION
<br />I — PROPERTY, A. Coverage, 5.
<br />Additional Coverages, s. Money
<br />and Securities.
<br />(2) Property that has been transferred to
<br />a person or to a place outside the
<br />described premises on the basis of
<br />unauthorized instructions.
<br />(3) The interior of any building or
<br />structure, or to personal property in
<br />the building or structure, caused by or
<br />resulting from rain, snow, sleet, ice,
<br />sand or dust, whether driven by wind
<br />or not, unless:
<br />(a) The building or structure first
<br />sustains damage by a Covered
<br />Cause of Loss to its roof or walls
<br />through which the rain, snow,
<br />sleet, ice, sand or dust enters; or
<br />(b) The loss or damage is caused by
<br />or results from thawing of snow,
<br />sleet or ice on the building or
<br />structure.
<br />(4) Lawns, trees, shrubs or plants which
<br />are part of a vegetated roof, caused
<br />by or resulting from:
<br />(a) Dampness or dryness of
<br />atmosphere or of soil supporting
<br />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 to
<br />the following types of property unless
<br />caused by any of the "specified causes of
<br />loss" or building glass 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 restriction
<br />does not apply to:
<br />(a) Glass that is part of the exterior or
<br />interior of a 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 covered
<br />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, watch
<br />movements, jewels, pearls, precious
<br />and semi-precious stones, bullion,
<br />gold, silver, platinum and other
<br />precious alloys or metals. This limit
<br />does not apply to jewelry and watches
<br />worth $250 or less per item.
<br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 6 of 81
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