THIS ENDORSEMENT: (1) DOES NOT INCREASE THE
LIMIT OF LIABILITY WHICH APPLIES TO COVERAGE C, AND (2) DOES NOT
MODIFY THE SPECIAL LIMITS OF LIABILITY OR THE PROVISIONS OF PROPERTY
NOT COVERED UNDER COVERAGE C.
For an additional
premium, the Perils Insured Against which apply to Coverage C
are deleted and replaced by the following with respect to computer
equipment.
Perils Insured
Against: We cover an insureds computer equipment,
as defined in this endorsement, against risk of direct physical
loss.
We do
not insure, however, for loss:
A. Excluded
under Section I -
Exclusions
B. Caused by:
(1) Freezing
of a plumbing, heating, air conditioning or automatic fire protective
sprinkler system or of a household appliance, or by discharge,
leakage or overflow from within the system or appliance caused
by freezing. This exclusion applies only while the dwelling
is vacant, unoccupied or being constructed, unless you
have used reasonable care to:
(a)
Maintain heat in the building; or
(b) Shut off the water supply and drain the system and
appliances of water;
(2)
Theft in or to a dwelling under construction, until the dwelling
is finished and occupied;
(3)
Any of the following:
(a)
Wear and tear, marring, deterioration;
(b)
Inherent vice, latent defect, mechanical breakdown;
(c)
Smog, rust or other corrosion, fungi, mold, wet or dry rot;
(d)
Smoke from agricultural smudging or industrial operations;
(e)
Discharge, dispersal, seepage, migration, release or escape
of pollutants unless the discharge, dispersal, seepage, migration,
release or escape is itself caused by one or more of the Perils
Insured Against that would apply under Coverage C of the policy
form if this endorsement were not attached to the policy form.
Pollutants
means any solid, liquid, gaseous or thermal irritant or contaminant,
including smoke, vapor, soot, fumes, acids,alkalis, chemicals
and waste. Waste includes materials to be recycled, reconditioned
or reclaimed;
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(f)
Settling, shrinking, bulging or expansion, including
resultant cracking, of pavements, patios, foundations,
walls, floors, roofs or ceilings;
(g)
Birds, vermin, rodents, or insects; or
(h)
Animals owned or kept by an insured.
If
any of these cause water damage not otherwise excluded
or limited, from a plumbing, heating, air conditioning
or automatic fire protective sprinkler system or
household appliance, we cover loss caused by
the water.
Under
items (1) through (3), any ensuing loss not
excluded or excepted in this policy is covered.
(4)
Vandalism and malicious mischief if the dwelling has been
vacant for more than 30 consecutive days immediately before
the loss. A dwelling being constructed is not considered
vacant;
(5)
Dampness of atmosphere of extremes of temperature unless the
direct cause of loss is rain, snow, sleet or hail.
(6)
Refinishing, renovating or repairing property;
(7) collision,
other than collision with a land vehicle, sinking, swamping
or stranding of watercraft, including their trailers, furnishings,
equipment and outboard engines or motors;
(8)
Destruction, confiscation or seizure by order of any government
or public authority; or
(9)
Act or decisions, including the failure to act or decide,
of any person, group, organization or governmental body. However,
any ensuing loss not excluded or excepted in this policy is
covered.
DEFINITION
With respect
to the coverage provided by this endorsement, computer
equipment means:
1.
Electronic data processing hardware and related peripheral equipment,
including CRT screens, disc drives, printers and modems; and
2. Discs,
tapes, wires, records or other software media used with the
equipment in 1. above.
All other
provisions of this policy apply.
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