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COMMERCIAL GENERAL LIABILITY CTCG20341116 2. Exclusions Coverage for Water Damage Legal Liability does not apply to: a. "Property damage"for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement. b. "Property damage"caused by or resulting from any of the following: (1) Wear and tear; (2) Rust, corrosion, fungus, decay, deterioration, hidden or latent defect or any quality in property that causes it to destroy itself; (3) Smog or smoke; (4) Settling, cracking, shrinking or expansion; (5) Insects, birds, rodents or other animals; or (6) Mechanical breakdown, including rupture or bursting caused by centrifugal force. (7) Water that leaks or flows from any plumbing, heating, air conditioning or fire protection system caused by or resulting from freezing, unless: i. You make a reasonable effort to maintain heat in the building or structure; or ii. You drain the equipment and shut off the water supply if the heat is not maintained. c. 'Property damage"caused directly or indirectly by any of the following: (1) Any earth movement, such as an earthquake, landslide, mine subsidence or earth sinking, rising or shifting; (2) Volcanic eruption, explosion or effusion; (3) Flood, surface water, waves, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or not; (4) Mudslide or mudflow; (5) Water that backs up from a sewer or drain; (6) Water under the ground surfaces pressing on, or flowing or seeping through i. Foundations, walls, floors or paved surfaces; ii. Basements,whether paved or not; iii. Doors,windows or other openings. d. "Property damage"to: (1) Plumbing, heating air conditioning,fire protection systems or other equipment or appliances; or (2) The interior of the premises caused by or resulting from rain or snow, whether driven by wind or not. D. SECTION I -SUPPLEMENTARY PAYMENTS -COVERAGES A AND B is amended as follows: 1. Paragraph 1.b. is deleted and replaced with the following: b. Up to$1,000 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability coverage applies. We do not have to furnish these bonds. 2. Paragraph 1.d. is deleted and replaced with the following: d.All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or"suit" including actual loss of earnings up to$350 a day because of time off from work. CTCG2034 1116 Concert Specialty Insurance Company, 2020 Page 2 of 6