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HomeMy Public PortalAbout1979.10.31 Senior Citizens LeaseSENIOR CITIZENS LEASE THIS INDENTURE, Made and entered into this ~/-~ day of October, 1979, by and between the City of McCall, a municipal corporation of the State of Idaho, hereinafter called Lessor, and McCall Senior Citizens, Inc., an Idaho corporation with its principal place of business at McCall, Idaho, hereinafter called Lessee, WI TNES SETH : In consideration of the Mutual covenants and agreements hereinafter set forth, the parties hereto agree as follows: I Lessor hereby leases to Lessee for a term of ten (10) years, which began January 1, , 1979, up to and in- cluding the 31st day of December , 1989, that certain land and building in McCall, Valley County, Idaho, known as the McCall Senior citizens Center, more particularly ~c~b=~ as follows, to-wit: A tract of land in the SE¼SW¼, Section 9, Township 18 North, Range 3 East, B.M., Valley County, Idaho, more particularly described as follows: Commencing at the Northwest corner of the SE¼SW¼ of Section 9, Township 18 North, Range 3 East, B.M.; thence East 30 feet to the East boundary of First Street; thence South along the East boundary of First Street a distance of 232.9 feet to the real point of beginning; thence continue South alone said East boun- dary of First Street 175 feet more or less to the intersection thereof with the Northwesterly boundary of the Oregon Short Line Railroad right of way; thence in a Northeasterly direction along said railroad right of way to a point directly East of the real point of be- ginning; thence West 175 feet more or less to the real point of beginning~ which tract is part of Block One of the vacated plat of the Lakeport Addition to the Village of McCall. II As and for rental of said premises, Lessee shall pay to Lessor and do and perform the following: (a) pay the sum of Ten Dollars ($10.00) per year in advance on the 1 st day of April of each year of the term of this lease; (b) each year, in advance, Lessee shall provide at its expense, fire insurance with extended coverage to the full insurable value of such premises and building thereon, with the LeSsor as a named insured (¢) Lessee shall each year in advance, at its expense, provide personal injury and property damage insurance with the Lessor as a named insured, with the following coverage: $100,000 for each person 300,000 for each occurence 50,000 for property damage 1,000 for medical coverage III Lessee shall have the option to renew this agreement for additional terms of five (5) years each at the same rent as set forth in paragraph II. Upon ninety (90) days' written notice in advance, either party to this lease may terminate and cancel the same and possession of said premises shall be delivered to Lessor as provided in paragraph XII hereof. IV Lessee shall not assign this lease or sublet the pre- mises to another party without the express written approval of Lessor. V Lessor agrees at its sole cost and expense, at all times, to keep and maintain the said building and premise~ in a good and proper state of repair, including, but not limited to, exterior painting, plumbing and other building service fixtures; and Lessor agrees to maintain the roof of said building in such condition as will at all times prevent water from getting into said building and in the event that damage is caused to said building during the effective term of this lease from such cause, Lessor agrees promptly to repair such damage without expense to Lessee, or to reimburse Lessee in full for Lessee's expense in redecorating or making repairs caused by such damage. Except as hereinabove provided, Lessee agrees to maintain the interior of said building at its own expense, including interior painting or redecorating. Lessor further agrees to replace all broken pla~lass unless such breakage is the result of an act of the Lessee, its members or employees~,~-~~. Lessor further agrees to maintain the automobile parkinq area in good order and to remove the snow therefrom. VI Lessee shall not conduct any activity that is unlawful, ultrahazardous, or that would increase the premiums for liability insurance on the premises. No advertising material is to be affixed to the exterior portions of the building by Lessee. VII Lessee may upon specific written consent of Lessor and at its own expense, make alterations, additions, or improve- ments in and to the interior of the demised premises. Al- terations shall be performed in a workmanship manner and shall not weaken or impair the structural strength, or lessen the value, of the building on the premises, ~r change the purposes for which the building, or any part thereof, may be used. All alterations, additions, and improvements on or in the demised premises that may be erected or installed during the term, shall become part of the demised premises and the sole property of L~sor. except that all moveable fixtures installed by Lessee shall be and remain the property of Lessee. VIII Lessee has examined the building and premises prior to execution of this lease and hereby acknowledges that the demised premises were in satisfactory condition at the time Lessee entered into possession thereof, Lessor has made no representations to Lessee relating to the condition of the premises except as provided in this lease agreement. IX Lessor shall, on default with respect to any of the provisions of this lease by Lessee, provide Lessee with written notice of any breach of the lease terms or conditions and Lessee shall then have 10 days to either correct the condition, or commence corrective action if the condition cannot be corrected in 10 days. If the condition cannot be corrected in 10 days, Lessee shall have a reasonable time to complete the correction. Lessor may elect to enforce the terms and conditions of the lease by any other method avail- above under the ].aw, or Lessor may declare a forfeiture of the lease by providing 15 days' notice to Lessee of Lessor's intent to do so. X Any and all remedies provided to Lessor for the en- forcement of the provisions of this lease are cumulative and not exclusive, and Lessor shall be entitled to p~rsue either the rights enumerated in this lease or remedies authorized by law, or both. Lessee shall be liable for any costs or expenses, including attorney fees and court costs, incurred by Lessor in enforcing any terms of this lease, or in pursuing any legal action for the enforcement of Lessor's rights. XI If the premises herein leased shall be destroyed or shall otherwise become reasonably untenantable for its busi- ness and purposes, the Lessee shall not be required to pay rental hereunder for such time or times as the said premises shall thus be untenantable, and a failure of the Lessor for any period of sixty (60) consecutive days to render such premiseS tenantable for the Lessee shall be sufficient ground for the termination of this lease by the Lessee. XII The Lessee at the expiration of the term hereof shall, at once and without requirement of notice, quit the said premises and surrender the same to the Lessor in as good condition as they now are, any damage resulting from reason- able use of said premises, by fire, or cause beyond the control of the Lessee, excepted. XIII This agreement shall be binding upon and inure to the benefit of the successors and assigns of the respective parties hereto. IN WITNESS WHEREOF, the parties hereto have by resolu- tion of their respective governing bodies caused this instrument to be executed the day and year first above written. M~o r Attest: McCALL SENIOR CITIZENS, INC. President 0a~l ~{ein~ioh Attest: ~ecret~ry ' LESSEE STATE OF IDAHO ) ) ss. County of Valley ) on this day of October, 1979, before me the under- signed Notary Public in and for said State, personally appeared BILL A. EVANS, known to me to be the Mayor of the City of McCall, who executed the within instrument, and acknowledged to me that such city executed the same. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. Notary Public for Idaho Residing at McCall, Idaho STATE OF IDAHO ) ) ss. County of Valley ) On this ~/~/~ day of OctOber, 1979, before me the under- signed Notary Public in and for said State, personally appeared ~~ ~ , known to me to be the President of the McCall Senior Citizens, Inc., who executed 'the within instrument, and acknowledged to me that such corporation executed the same. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written.~ Notary Public for Idaho Residing at McCall, Idaho ......... IDAIIO aaNDARD FIRE POLICY- A$SE$$MENI' PLAN Canyon County Farmers' Mutual Fire Insurance Company CALDWELL, IDAHO tn onoi eralion of fl e lipnlations erein a_x ~ Three Hundred Thirteen ~ 50/100 ......................... . . aa ~t ....................... k ........................................................................................ ~ ....................................... ~llaro rereme~ and of the payment to th~s company of all assessments as they become due, as provided b the Ar ' · ren~ng this policy within said term, and of the warranties contained in th .... ' ....... Z._ · t,cles an~ B~-laws of th~s company, ~ appaz~a;iua lot ~nsurance, and suvject to the tenor, terms, cond~tions and provisions of its Articles of Incorporation, By-laws, and any amendments thereto hereafter made, does insure Box Y ~gC~ll, ID ~6~ and legal representatives, to the extent of the actual cash value of the property at the time of loss but not exceeding the amounts hereinafter stated, ;vithout alloxvance for any increased cost of repair or reconstruction by reason of any ordinan&~r law regulating constructiqn or repair and without compensation for loss resultm from interruption of business from the da,, *~ September .~ vc ' g expires as defined in the by-laws, against all direct loss and damage by fire, lightning, perils of extended coverage. Itemized Farm ............ ~ .............................................. , 1~ ...... ¢.Vat twelve o'clock, noon, and until policy Machinery is insured against fire, theft, wind damage, vandalism, field upset. All Machinery coverages except fire are subject to a $50.00 deductable. Livestock, poultry, hay, grain and straw is insured against fire and lightning for actual cash value at time of loss; personal property removed from premises endangered by fire except as herein provided is insured to amounts not exceeding the sums hereinafter stated, to the following described property while located and contained as described herein, or pro rate for five days at each proper place to which any of the property shall necessarily be removed for preservation from fire, but not elsewhere to-wit: 70~ 1St Street, /.lcC~ll Located on Section Township Range V3 ] ] e ............................ ' ........................... , ................................................ .~ .......... County, Idaho. SUM INSURED Continuous Policy 1. Dwellinr House No. 1, $ .......................... ; 2, $ .......................... ; 3, $ ................................................... 2. Household furniture, bedding, wearing apparel, provisions ............................................................. Due Date 3. Barn No. 1, $ ...................................................... ; 2, $ ....................................................... . ......................... 4. Loafing Shed ............................................................................................................................................... 5. Implement House and Shed 6. Granary No. 1, $ .................................................... ; 2, $ .............................................................................. 7. Poultry House No. 1, $ .............................................. ; 2, $ ........................................................................ 8. Brooder House 9. Fruit Packing House ................................................................................................................................... 10. Hog House ..................................................................................................... 11. Garage No. 1, $ .................................................... ; 2, $ .................................. [[i...[i[ii[[[[[i[ ........................... 12. StorehoUse .............................................. 13. Livestock, Poultry ...................................................................................................................................... 14. Straw, includes bedding and chaff. (Loose straw in the field not insured.) ............................... 15. Grain and livestock concentrates; market value in the bin or standing ....................................... 16. Hay on premises, not more than $10,000 in one risk ............................................................................ 17. Farm Implements (valued at $500.00 or less each item) ................................................................. 18. Tools, electric and hand, welders, riding equipment .......................................................................... 19. Farm Truck No. 1, $ ................................................ ; 2, $ .......................................................................... 20. Tractor No. 1, $ .................................................... ; 2, $ .............................................................................. %$ .............................................................. ;4,$ .......................................................................................... 21. Autos, while in counties of Ada, Canyon, Payette, Gem, Washington, Adams ........................... Owyhee, Boise, Valley, Elmore, Camas, and Gooding ............................................... 22. Combine Harvester .......................................................................................................... ' .......................... 23. Baler .............................................................................................................................................................. 24. Field Cutter ................................................................................................................................................ 25. Dairy Equipment 26. Pressure system $ .......................................... ; Well ttouse $ .................................................................. 27. Irrigation Pump and Motor ..................................................................................................................... 28. Specified Glass Breakage (subject to $10.00 deductible) ..................................... 29. Mobile Home (subject to $50.00 deductible) ........................... 30 ...... ,.a 1 ] .... : ...................... .... Contents in 8ul I~';'~' ........................................................................................ 1.2~.,~0.0 ..... 3 ......iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiL.".iiiiiiiiiiii ........................................................................ / ......... .... 32. 34. 35. peria! lerattt a. If dynamos, exciters, lamps, motors, switches, radio apparatus, or other electrical appliances or devices are covered under this policy, this company shall not be liable for any electrical injury or disturbance to the said electrical devices or appliances caused by electrical currents artificially generated, unless fire ensues, and then only for loss or damage caused by such ensuing fire. b. Hay, grain and straw is insured only as the legal description of the policy so stipulates. c. Insurance may be granted ou specified glass in al;veilings on all breakage (subject to $10.00 deductible). d. It shall be the option of this company to exclude wind damage on out-buildings. e. If a£;er issuance of this policy and before its expiration, there be adopted any extended or broadened insurance coverage it shall be to the benefit of the insured hereunder as though such endorsement or substitution of form !;~_d been made. This policy is made and accepted subject to the foregoing stipulations and conditions, and to the provisions, conditions, special permits and stipulations printed on the back hereof, and to the Articles of Incorporation, and by-laws of said company (and any amendment thereof hereafter made duri~g the term hereof) not inconsistent therewith, together with such other provisions, stip~- lations and conditions as nmy be endorsed hereon or added hereto as herein provided, signed by the officer authorized so to do, all of which, together with the application of the insured on file in this office which is and shall be a continuing warranty by the insured, are made a part of this policy. IN WITNESS WHEREOF, This Company has executed and attested these presents by the duly authorized officers of the Company 5th at the o~ce of the Secretary this ........................................ day of ............................. ,:'::..,. .......... ....................................... i ..... : ........ : ............................ : ............................... ..................................................... ------~ ....... ; ...... "~..~,t.d..~:~.~z..~...~....d'-.~..f-..~.~L~:.~.:': ..................... President ~ /' Secreta~ ........ fANDARD PROVISIONs. Pursuant to the requirements of the laws of the State cf ldaho, the folh,win;r etmditions and plovl~iol~s~ ~renmaliy known as the "New York Standard Form," are hereby made a part of this contrael of insurance~ but the same are hereby exm'essly made subject Iand to that extent exln'essly so modified and changed} to the laws of the State of Idaho, the Articles of Incorporation and By-Laws of this C,.~mpan~ and the application herein referred to, notw/th- standing anything hereinafter contained to the contrary. 1 Concealment. This entire policy shall be wild if. whether 2 fraud, before or after a loss, the insured hms wilfully 3 concealed or misrepresented al~y material fact 4 or circumstanceconcerning lhis insurance or the suh~eqt thereof, or 5 the interest of the insured therein, or in ca~e of any fraud or false ~ sweacin~ by lhe insured relatin~ thru'cio. 7 Uninsurable This volley shall not covey aeeounls, Idlls. 8 and currency, deeds, evidences of debt. money o~ 11 Perils not 'Phis Coral}anyshall not be liable Cpc Joss hy I2 included, fire m' olher perils insured a~ainst I3 po cy vaused, directly m' indirectly,by 1 ienemy attack hy armed Corec's, inelud/nff action takenby mill- 24 IJ~ nor shall ~his Comp:my be liable for h)ss hy theft. 25 Other Insurance.Other insurance may be m-oh}hired or tho 56 Cancellation This Imlicy shall be cancelled at any time 75 notice, shall vender proof of loss i~ tim form hm'ein specified 83 an assignment thereof and of the mortgrage. Other provisions 84 relatimz to the interest.s anti obi}stations of such mortgagee may S5 he added heret{~ by n~reement m writing. S6 Pro rata liabilityo This Company shall not be liable for a grealer N7 proportion of any loss than the amount hereby SS in~ured shall bear to the whole insurance covering the property S~la~ainst the peril involved, whether collectible or not. 90 Requirements in The insured shall give immediate written ~ll case loss occurs, notice to this Company of any hxas, protect 92 the prollerty from further damage, forthwith ;14it in the best possible order, fm'nish a complete inventory 95 the destroyed, damaged and undamaged property, showin~ in ~7 claimed: and within sixty days after the loss. unless such time 9S is extended in writing by this Company, the insured shall render ~9 to this Company a proof of loss~ ai~ned and sworn to 1)y the I00 insured, stating the knowledge and belief of the insured as to I0l the following: thetime and origin 0f the loss, the interest of the 11~2insured and of allothers inthe property, the actual cash value of 10:{*?ach item thereof and the amount of loss thereto, all encum- 104 In'ances lhereon, all otherc-ntracts of insurance, whether valid 107 erty since the iasuin~ of this po]icy,by whom and for what 108 pm'pose any buibling herein described and lhe several parts 10~ thereof were occupied at the lime of loss and x~hether or not it II0 ~hen stood on le~sed ~round. and shall fur~[shIt cody of all the Ill descriptions and schedules h~allpolicies ami,if required, verified I 12plans and specifieati{ms of any building, fixtm'es or machinery ] 14ahiy required, ~hall exhibit to any person deM~nated by this 115 Company all that remains of any property here/n described, and 11~;~uhmit to exami~mtion under oath hy an~ i~erson named by this 120 thru'eof if ovi~inals be lost. at such reasonalde time and place as ]2:~ Appraisal ]n case the ~nsured nnd this Company shall 12~ fa/l to agree as to the actual cash value 125 th. ~mmunt of b~ss. themon the written demand of either, each 121~shall select a comvetent and disintevesled apl,falser aml notify 127 the other of the appra/ser sMected within twenty days of such i2S demand. The appraisers shalI first select a competent and dis- 12~*interested umpire, and fa}lime for fifteen days to agree upon I:10such umldre, then. on request of the insured or this Coral,any, 131 such umpire shah be selected hy ~ judge of u court of record in 134 cash value and loss of each item; and. failin~ to a~ree, shall 1:/5submit their differences, only, to the umpire. An award h~ writ- !aa in~, so itemized, of any two when filed with this Company shall 13~ appraiser shall be paid by the 1ratty selecting him and the ex- 1:~¢~ peases of appraisal and umpire shall be paid by the part/es 14(}eqnally. 141 Company's It shall be optional with this Company to 142 options, take all, or any part, of the property at the 143 agreed or appraised value, and also to re- 144 pair, rebuild orreplace the property destroyed or damaged with I45 other of like kind and quality within a reasonable time, on giv- 14fllng notice of its intentions so to do within thirty days after thc 147 recei~,t of the m'oof of loss herein required. I48 Abandonment. There can be no abandonmenL to this Company 150 When loss The amount of loss for which this Comtmny i51 payable, may be liable shall be payable sixty days 152 after proof of k~s, as herein provided, 153 received by thisCompany and ascertainment of the loss is made 154 either hy agreemeat he, ween the insured and this Company ex- 155 pressed in writin~ m' by the filing with this Company of an 151;award as hereinprovided. 15~ Suit~ No suit or action on this policy for the recov- I58 cry of m~y claim shall be sustainable in any 159 eotut of inxv orequity unless all the requirements of this policy 160 shall have hee~ comldied with, and unless commenced within IGl twelve month3 next aftra' ince1:tion of the loss~ It12 Subrogation. This Comlmny may require from the insured 165 by this Company. notice of cancellation or refusal to renew this policy by the Company shall be effective unless mailed or delivered by the Company to the named insured at least twenty 120) days prior to the effective date of cancellation or expiration date o£ the policy period. S'I'ANI)ARI) FORM EX[ENDED COVERAGE (PERILS OF WINDSTORM. IIAII., EXPLOSION. RIOT. RIOT ATTEND- IN(; A STRIKE, CIVIl. COMMOTION, AIRCRAFT, VEIIlCI.ES, SMOK]~, EXCEPT AS ItEREINAFTER PROVIDED) 1550.00 deductible applicahle to peril~ of windstorm and hail to out huihtings~ In conMderation of the pi'em}tlR1 for this coverage as shown on the first of this po]icy is extended lo in(~lude direct loss hy WINDSTORM. HAIl., EXPLOSION. RIOT, RIOT ATTENDING A STRIKE. CIVIL COMMO- TION. AIRCRAFT. VEIIICI.ES. AND SMOKE. THIS ENDORSEMENT DOES NOT INCREASE TIlE AMOUNT PI{ AMOUNTS OF INS/:RANCE PIIOVIDED IN TIlE POLICY TO Wll[('II IT 1S ATTACHED. SUBSTITUTION OF TERMS: h~ the appl/cation of thc m-oxisi.ns apl~ears theft' shall be suhMituted thctef{n' the peril inv,,Ired o~ the los:; caused thereby, as tke ease requires, excluding poultry, livestock alid APPORTIONMENT CI.AUSE: This Company shall not b*- liable for of insurance under this policy hears to the xxhole amount of fire insurance amount of deductible, if any. than the amount hereby insured beat's to all insurance whether collectible or not. coverin~ in any manner such loss, or which would have covered such loss except for the existence of this }nam'- additional perils or windstorm insurance apl,iies to any loss to which this the existence of this insurance, the limit of liability of each type of lasts'- artec for such loss, hereby designated as "joint loss," shall first be deter- liable for no ~reater ;>roDortion of joint loss than the limit of its liability for such loss bears to the sum of alt such limits. The liability of this Com- pany for such joint loss shall be limited to [5~ proportionate p;u't of the a~gregate limit of this and all other insurance of the same type. The words "joint lass." as used in thc fore.oink, mean that ;~mqion of the h,ss exce~ of the highest deduct}hie, if any, lo ~vhich this endorsement and other types of insurance above referred to both apply. NUCLEAR EXCLUSION: Loss by nuclear reaction or nuclear cad}at/on or radioactive contamination, all whether controlled or uncontrolled, is not insured against, whether such loss be direct or iud}reeL proximate or by windstorm, hail. explosion, riot, riot atLendin~ a strike, civil commo- '~ion, aircraft, vehicles or smoke: and nuclear reaction ov nuclear radiatio~ ~o~ radioactive contamination, all whether controlled or uncontrolled, is not WAR RISK EXCLUSION CLAUSE: This Com}>any shall not be liable for loss caused directly or indirectly by la) hostile ou warlike action in time of peace or war. including action in hindering, combating or defending a~ainst tm actuai, iml~endin~ or expected attack, (1) by any government or sovereign power {de jure or de facto), or by any authority maintaining or using military, naval m' air forces; or (2) by military, naval or air forces; or (31 by an agent of any such government, power, authority or forces, it being underst¢~}d that any discharge, eXldOsion or use of any weapon of war eml~loying nuclear fission m' fusion shall be conclusively presumed to be such a hostile or ~vnr]ike action by soeh a governmeni, power, authority or forces; ~h~ insurrection, rebellion, revolution, civil war, usurped power, or WATER EXCLUSION CLAUSE: This company shall not he liahh~ foilowin~: th) Water x~hieh backs lid through sewers ov drains; lc) W~[~el~ he]ow the surface of the ~round ineludin~ that which exerts unless hy fire or explosion ensues, and this eom~mny shall then be liable only for such ensuing loss IA)SS DEDUCTIBLE CLAUSE: It is a condition of this extended coverage, that, in seem'dance with Ihe provisions hereinafter contained, sum of fifty dollar~{$50.00~ shall be deducted from the amount of resultin~ from each windstorm m' hailstorm. This condition shall apply the open at any one location. This loss deduct}hie clause does not apply to contents contained in any huildin~ described herein. fifty doJ]ai's (:¢50.00~ dedueled in accordance with tho alq~Ot'~ionment pro- visions of this exlended coverage. This applies to outbuildings only. PROVISIONS APPI.ICABLE ONLY TO WINDSTOKM AND This company shall not be liable fo~. b~-:s caused directly or indirectly by driven by w~nd nr not. This comDanv shall not be liable fro' loss 1o the inlet}or of the buihlin~z or the property covered therein caused, ~a} by cmn, snow, 8and or dust. the direct force of wind or hail and then shall be Hable for loss to the interbw of the building or the property covered therein as may be caused by rain. snow or dust enterin~ the huildin~ through openings in the roof ov walls made by dh'eeC action of wind or ha/~ or lb) by water from sprink]m' equh~mem: m' other piping, unless s~:ch equipment or piping be This eompaay shall not be liabie f~r damage to the following prOl)erty: Iai grain, ~ay. str~w or other eroDs~ or (b~ windmills, windl)umlm or theiu towers, or {el crop silos {or theh. contents), or idi cloth awnings, signs, radio or television antennas and am'isis including their masts and towers, _ PRO--'~RTY BROAD FORM COVERb~$,S Canyon C0 mty Farmers' Mutual Fire Insurance Company ATTACHED TO AND FORMING PART OF POLICY ii 9 .~1~ 7~ OF THE CANYON COUNTY FARMERS MUTUAL FIRE INSURANCE COMPANY. HEAD OFFICE CALDWELL, IDAHO 83605 ISSUEDTO: Sen,or C,t~zens &/or C~ty of McCall, Box Y, McCall, Idaho 83038 (lnsured's ~e) (Mailing Address) DATED: September 6, 1979 .............. ................................... ~r~i.e.t 705 1st St , McCa~[ S~r~ta~ This ENDORSEMENT covers the follo~ng described proPers, all situated in Sec. ' Range COUNTY OF Va l ley STATE OF Idaho Description of Dwelling ............................................................................................................................................................................ Limit of Assessed Liability Amount A. Dwelling Described Above Bu i ] d | n9 & Meet i n.q Ha ! 1 1 20,000, B. Household Items and Personal Property contained in above dwelling ~, 000. Guns in Excess of $1,000 Special Listed Items TOTAL ] 25,000. 62.50 *iNSURANCE attaches only to those items specifically described in this POLICY for which a specific amount is shown, and an assessment is collected unless otherwise provided all conditions of this form and the provisions of the POLICY to which it is attached shall apply separately to each item covered. LOSS PAYABLE: Less, if any, shall be adjusted with the INSURED specifically named, unless otherwise specified by, (a) written agreement, or (b) endorsement hereon. Subject to all the terms and conditions of this POLICY and to the written agreement, if any. DESCRIPTION OF PROPERTY AND INTERESTS COVERED *COVERAGE A--DWELLING. This policy covers: (a) the b~:i:?,lng described, including additions in contact therewith, occupied priE¢ipally for dwelling purposes; (b) if the property of an insured and when not otherwise covered, building equipment, fixtures and outdoor equipment, all pertaining to the service of the dwelling premises and while located thereon or temporarily elsewhere. Glass coverage is subject to $10.00 deductable. *COVERAGE B---UNSCHEDULED PERSONAL PROPERTY. 1. ON PREMISES: This policy covers unscheduled personal property usual or incidental to the occupancy of the premises as a dwelling, owned, worn or used by an insured, while on the premises, or at the option of the NAMED INSURED, owned by others While on the portion of the premises occupied exclusively by an INSURED. THIS COVERAGE DOES NOT INCLUDE: Animals, birds, auto- mobiles, vehicles licensed for road use and aircraft; the property of roomers or boarders not related to an INSURED; articles carried or held as samples or for sale or for delivery after sale or for rental to others; farm personal property usual and incidental to the operation of the farm; property which is separately deserib~ and specifically insured in whole or in part by this or any other tnso, rance. Trees, ahrubs, plants or lawns are not covered. 2. AWAY FROM PREMISES: This policy also covers unscheduled personal property AS DESCRIBED AND LIMITED, while elsewhere than on the premises, anyWhere in the world, owned, worn or used by an INSURED. or at the option of the NAMED INSURED, owned by a guest while in a temporary residence of, and occupied by an INSURED Or owned by a residence employee while actually engaged in the service of an INSURED and while such property is in the physical custody of such residence employee or in a residence temporarily occupied by an INSURED. TtIE LI~.{IT OF THIS COMPANY'S LIABILITY FOR SUCH PROPERTY WHILE AWAY FROM[ PREMISES SHALL BE AN ADDITIONAL AMOUNT OF INSURANCE EQUAL TO 10% OF THE AMOUNT SPECIFIED FOR COVERAGE B, BUT IN NO EVENT MORE THAN $1000. *COVERAGE C--ADDITIONAL LIVING EXPENSE TO DWELL- ING ONLY'. This policy covers the necessary increase in living expense resulting from ]ess by a peril insured against to the property covered under Coverages A, or B incurred by the NAMED INSURED to continue as nearly as practicable the normal standard of living of the NAMED INSURED'S household for the applicable period described in (a) or (b) below: (a) THE TIME REQUIRED, WITH THE EXERCISE OF DUE DILIGENCE AND DISPATCH, TO REPAIR OR REPLACE SUCH DAMAGED OR DESTROYED PROPERTY: (b) THE TIME REQUIRED FOR THE NAMED INSURED'S HOUSE- HOLD TO BECOME SETTLED IN PERMANENT QUARTERS. NO ADDITIONAL LIVING EXPENSE IS ALLOWED ON RENTED PROPERTY. This COMPANY shall not be liable for additional living expense in excess of 10% of insurance in force on dwelling for any one This COMPANY shall also be llable under Coverage C for the period of time, NOT EXCEEDING 60 DAYS, while access to the premises is prohibited by order of civil authority, but only when such order is given as a direct result of damage to neighboring premises by a peril insured a~ainst. (c) No additional use or occupancy indemnity is allowed on buildings other than dwelling. *COVERAGE D--FARM PERSONAL PROPERTY. This policy covers under Coverage D farm personal property, usual and incidental to the operation of a farm, only when a Schedule is attached to the policy, and then only for these items for which a limit of liability is inserted in the space provided therefor in the Schedule and then for not exceeding said limit. THIS COVERAGE DOES NOT EXTEND TO LOSS TO PERSONAL PROPERTY COVERED UNDER COVERAGE B. *COVERAGE E--FARM BARNS, OTHER BUILDINGS AND STRUC- TUllES, CHURCHES AND PUBLIC HALLS. This policy covers under Coverage E additional farm dwellings, farm barns, other buildings, and structures only when a Schedule is attached to the policy, and then only for those items fro' which a limit of liability is inserted in the space provided therefor in the Schedule and then for not exceeding said limit. The limit of liability applying on a building or structure covered under Coverage E is extended to cover all materials and supplies, on the premises or adjacent thereto, intended to be used in the construction, alteration or repair of such building or structure. I. ADDITIONAL DWELLINGS: When insurance under the Coverage covers Additional Dwellings, it shall include the building equipment, fixtures and outdoor equipment pertaining to the service of the build- ing and while located on the premises described. 2. FARM BARNS, OTHER BUILDINGS AND STRUCTURES: When insurance under this Coverage covers farm buildings, it shall include attached sheds, permanent fixtures therein or thereon while located on the premises described. SILOS (WHETHER ATTACHED TO BUILD- ING OR NOT) ARE NOT COVERED BY THIS COVERAGE UNLESS THEY ARE INSURED SPECIFICALLY UNDER SEPARATE ITEMS. PERILS INSURED AGAINST DEDUCTIBLE CLAUSE: The sum of $50. shall be deducted from the amount of each loss in any one occurrence which results from the following perils insured against under this endorsement. 1. VANDALISM AND MALICIOUS MISCHIEF, meaning only wilful and malicious dama,~,:e to or destruction of~ the property covered, BUT EXCLUDING AS RESPECTS THIS PERIL LOSS IF DESCRIBED DWELLING HAD REEN VACANT BEYOND A PERIOD OF CONSECUTIVE DAYS IMMEDIATELY PRECEDING THE LOSS. 2. THEFT, meaning any act of stealing or attempt thereat and, as to Coverage B (on premises), including theft of property covered from within any bank, trust or safe deposit company, public warehouse or occupied dwelling not owned or occupied by or rented to an INSURED, in which the property covered has been placed for safekeeping. UPON KNOWLEDGE OF LOSS UNDER THIS PERIL OR OF AN OCCURRENCE WHICH MAY GIVE RISE TO A CLAIM FOR SUCH LOSS THE INSURED SHALL GIVE NOTICE AS SOON AS PRAC- TICABLE TO THIS COMPANY OR ANY OF ITS AUTHORIZED AGENTS AND ALSO TO THE POLICE. GENERAL EXCLUSIONS APPLICABLE TO THEFT: THIS POLICY DOES NOT APPLY AS RESPECTS THIS PERIL TO LOSS (a) IF COMMITTED BY AN INSURED; (b) IN OR TO A BUILDING UNDER CONSTRUCTION OR OF MATERIALS OR SUPPLIES THEREFOR UNTIL COMPLETED AlkrD READY FOR OCCUPANCY; (c) BY INVENTORY SHORTAGES; (d) BY WRONGFUL CON- VERSION AND EMBEZZLEMENT OR (e) BY ESCAPE OR MYSTE- RIOUS DISAPPEARANCE. EXCLUSIONS APPLICABLE WHILE THE DESCRIBED DWELL- ING IS RENTED TO OTHERS: WHILE THE PORTION OF THE DESCRIBED DWELLING CUSTOMARILY OCCUPIED EXCLUSIVE- LY BY AN INSURED IS RENTED T HERS~ THIS POLICY DOES NOT APPLY AS RESPECTS TH ERIL TO LOSS FROM TIlE DESCRIBED DWELLING (a) 01, MONEY, NUMISMATIC PROPERTY AND BANK NOTES; (b) OF ACCOUNTS, BILLS, DEEDS. EVIDENCES OF DEBT, LETTERS OF CREDIT, NOTES OTHER THAN BANK NOTES, PASSPORTS, RAILROAD AND OTHER TICKETS. SECURITIES, AND STAMPS INCLUDING i~HIL ATELIC PROPERTY; AND (c) OF JEWELRY, WATCHES, NECK- LACES. BIL~,CELETS, GEMS, PRECIOUS AND SEMI-PRECIOUS STONES, OR ARTICLES OF GOLD OR PLATINUM; OR CAUSED BY A TENANT OF SUCH PORTION OF THE DESCRIBED DWELLING OR ANY OF HIS EMPLOYEES OR MEMBERS OF HIS HOUSEHOLD. PERSONAL PROPERTY OF RENTEP. NOT COVER- F_,D UNDER DWELLING OWNERS POLICY. EXCLUSIONS APPLICABLE TO PitOPERTY WHILE AWAY FROM THE DESCRIBED PREMISES: THIS POLICY DOES NOT APPLY AS RESPECTS THIS PERIL TO LOSS AWAY FROM THE PREMISES OF (a) PROPERTY WHILE IN ANY DWELLING OR PREMISES THEREOF OWNED, RENTED OR OCCUPIED BY AN INSURED. EXCEPT WHILE AN INSURED IS TEMPORARILY RESIDING THEREIN; OR (b) PROPERTY WHILE UNATTENDED IN OR ON ANY PRIVATE PASSENGER VEHICLE. UNLESS THE LOSS IS THE RESULT OF FORCIBLE ENTRY EITHER. INTO SUCH VEHICLE %VHILE ALL DOORS AND WINDOWS THE~i~OF ARE CLOSED A}ID LGCKED OR INTO A FULLY ENCLOSED AND LOCKED LUGGAGE COMPARTMENT. OF WHICH ENTRY THERE ARE VISIBLE 5IARKS UPON THE EXTERIOR OF SAID VEHICLE. This policy insures against direct loss to the property covered under Coverages A and B (and additional living expenses resulting from such loss) by perils 3 thru 9 AS DEFINED AND LIMITED HEREIN: 3. SUDDEN AND ACCIDENTAL TEARING ASUNDER, CRACKINC, BURNING OR BULGING OF A STEAM OR [lOT WATER HEATING SYSTEM. EXCEPT APPLIANCES FOR HEATING WATER FOR DOMESTIC CONSUMPTION. AND EXCLUDING LOSS RESULTING FROM BREEZING WtIILE THE DEi~CRIBED BUILDING(S) IS VACANT OR UNOCCUPIED. UNLESS THE INSURED SHALL HAVE EXERCISED DUE DILIGENCE WITH RESPECT TO MAINTAINING HEAT IN THE BUILDING(S). OR UNLESS THE PLUMBING AND HEATING SYSTEMS AND DOMESTIC APPLIANCES HAD BEEN DRAINED AND THE ~VATER SUPPLY SHUT OFF DURING SUCH VACANCY OR UNOCCUPANCY. 4. FALLING OBJECTS. BUT EXCLUDING LOSS TO la) THE IN- TERIOR OF Tile BUILDING(S) OR THE PROPERTY COVERED THI~REIN, CAUSED DY FALLING OBJECTS UNLESS Tile BUILD~ ING(S) COVERED OR CONTAINING THE PROPERTY COVERED SHALL }qRST SUSTAIN AN ACTUAL DAMAGE TO THE EX- TERIOR OF TIlE ROOF OR WALLS BY THE FALLING OBJECT: OR lb) OUTDOOR EQUIPMENT, CLOTH AWNINGS, FENCES; ALL EXCEPT AS THE DIRECT RESULT OF THE COLLAPSE OF A IIUILDING. 5. WEIGHT OF ICE. SNOW OR SLEET WIIICH RESULTS IN PHYSI- CAL INJURY TO THE BUILDING(S) COVERED OR CONTAINING TIlE PROPERTY COVERED, BUT EXCLUDING LOSS TO la) OUT- DOOR EQUIPMENT. CLOTH AWNINGS, FENCES, ALL EXCEPT AS THE DIRECT RESULT OF THE COLLAPSE OF A BUILDING: OR lb) FENCES, PAVEMENTS, PATIOS, SWIMMING POOLS, FOUNDATIONS, RETAINING WALLS. BULKHEADS. PIERS, WIIARVES OR DOCKS, WHEN SUCH LOSS IS CAUSED BY FREEZING. THAWING. OR BY TItS PRESSURE OR WEIGItT OF ICE OR ~VATER WHETHER DRIVEN BY WIND OR NOT: ALL EXCEPT AS TIlE DIBECT RESUI,T OF TIlE COLLAPSE OF A BUILDING. 6. COLLAPSE (NOT SETTLING. CRACKING. SHRINKAGE, ING OR EXPANSION) OF BUILDING(S) OR ANY PART THEI~E- OF. BUT EXCLUDING LOSS TO la) OUTDOOR EQUIPMENT~ GUTTERS AND DOWNSPOUTS. CLOTH AWNINGS, AND FENCES. Ai,L EXCEPT AS TIlE DIRECT RESULT OF THE COLLAPSE OF A BUILDING; OR ~b) FEIqCES, PAVEMENTS, PATIOS, SWIMMING POOLS, FOUNDATIONS, RETAINING WALLS. BULiiHEADS, PIERS. WiIARVES OR DOCKS WHEN SUCH LOSS I~ CAUSED BY FREEZING, THAWING. OR BY THE PRESSURE OR ~VEIGHT OF ICE OR WATER 'WHETitER DRIVEN BY WIND OR NOT; ALL EXCEPT AS THE DIRECT RESULT OF THE COLLAPSE OF A BUILDING. 7. ACCIDENTAL DISCIIARCE. LEAKAGE OR OVERFLOW OF WATER OR STEAM FROM WITHIN A PLUMBING. HEATING. OR AIR CONDITIONING SYSTE~I OR DOMESTIC APPLIANCE, IN- CLUDING THE COST OF TEARING OUT AND REPLACING ANY PART OF THE BUILDING(S) COVERED REQUIRED TO EFFECT REPAIRS TO TIlE SYSTEM OR APPLIANCE FROM WHICH THE WATER OR STEAM ESCAPES, BUT EXCLUDING la) LOSS RE- SULTING FROM FREEZING WHILE THE DESCRIBED BUILD- ING(S) IS VACANT OR UNOCCUPIED, UNLESS THE INSURED SIIALL HAVE EXERCISED DUE DILIGENCE WITH RESPECT TO MAINTAINING IfEAT IN THE BUILDING(S) OR UNLESS THE PLUMBING ANE HEATING SYSTEMS AND DOMESTIC APPLI- ANCES tIAD BEEN DP, AINED AND TItS WATER SUPPL~~ SHUT OFF DURIN(; SUCH VACANCY OR UNOCCUPANCY; lb) LOSS IF THE I)ESCI~!BED FARM DWELLING I,'UILDING HAD VACANT BEYOND A PERIOD ©'F 30 CONSECUTIVE DAYS MEDIATELY PRECEDING THE LOSS: AND (c) I,OSS TO THE SYSTEM OR APPLIANCE FROM WHICH THE WATER OR STEAM ESCAPES. 8. SUDDEN AND ACCIDENTAL TEARING ASUNDER. CRACKING, BURNING, OR BULGING (NOT BY WEAR AND TEAR. DETERIO- RATION OR RUST) OF APPLIANCES FOR HEATING WATER FOR DOMESTIC CONSUMPTION, BUT EXCLUDING LOSS RE- SULTING FROM FREEZING WHILE THE DESCRIBED BUILD- ING(S) IS VACANT OR UNOCCUPIED, UNLESS THE INSURED SHALL HAVE EXERCISED DUE DILIGENCE WITH RESPECT TO MAINTAINING IIEAT IN THE BUILDING(S), OR UNLESS TtIE PLUMBING AND HEATING SYSTEMS AND DOMESTIC APPLI- ANCES HAD BEEN DRAINED AND THE WATER SUPPLY SHUT OFF DURING SUCH VACANCY OR UNOCCUPANCY. 9. FREEZING OF PLUMBING. HEATING AND AIR CONDITION- ING SYSTEMS AND DOMESTIC APPLIANCES. BUT EXCLUDING LOSS RESULTING FROM FREEZING WHILE THE DESCRIBED BUILDINGiS) IS VACANT OR UNOCCUPIED, UNLESS TIIE SURED SHALL HAVE EXERCISED DUE DILIGENCE WITtt RE- SPECT TO MAINTAINING HEAT IN TIlE BUILDINGS(S), OR UNI,ESS THE PLUMBING AND HEATING SYSTEMS AND DOMES- TIC APPLIANCES ttAD BEEN DRAINED AND THE WATER SUP- PLY SHUT OFF DURING SUCH VACANCY OR UNOCCUPANCY, EXTENSIONS OF COVERAGE THE FOLLOWING EXTENSIONS OF COVERAGE S~-tALL NOT INCREASE THE LIMIT OF LIABILITY APPLYING UNDER THIS POLICY TO THE PROPERTY DAMAGED OR DESTROYED: I. REPLACEMENT COST--COVERAGE A ONLY: This extension of Coverage shall be applicable only to a building structure covered under Cover,ge A. BUT EXCLUDING CARPETING. CLOTH AWNIIqGS, DOMESTIC APPLIANCES AND OUTDOOR EQUIPMENT, ALL WHET]~ER PERMANENTLY A'PrACHED TO THE BUILDING STRUCTURE OR NOT: la) In the event of loss to such a building structure covered under this policy, when the full cost of repair or replacement is both (1) less that $1000 and (2) less that 5% of the whole amount insurance applicable to such building structure for the peril causing the loss, the coverage of this policy is extended to include the full cost of repair or replacement (without deduction for depreciation). lb) If at the time of loss the whole amount of insurance applicable to said building structure for the peril causing the loss is 80% or more of the full replacement cost of such building structure, the coverage of this policy applicable to such building structure is ex- tended to include the full cost of repair or replacement (without deduction for dcpreciatlon). lc) If at the time of loss the whole amount of insurance applicable io 2aid ~uil~n$~ strr ~ for the peril eaustng the loss ~ l~s ~an 80% of the fur ~I .eot cost of such building st~cture, THIS COMPANY'S LIAB~_.'Y FOR LOSS UNDER THIS POLICY SHALL NOT EXCEED THE L~GER OF THE FOLLOWING ~IOUNTS (1) or il) THE A~UAL CASH VALUE OF THAT PART OF THE BUILDING STRUCTURE DAMAGED OR DESTROYED; (2} THAT PROPORTION OF THE FULL COST OF REPAIR OF REPLACEMENT (WITHOUT DEDUCTION FOR DEPRECIA- TION) OF THAT PART OF TH~ BUILDING STRUCTURE DAMAGED OR DESTROYED, WHICH THE WHOLE AMOUNT OF INSURANCE APPLICABLE TO SAID BUILDING STRUC- TURE FOR THE PERIL CAUSING THE LOSS BEARS TO 80% OF THE FULL REPLACEMENT COST OF SUCH BUILDING STRUCTURE. (d} THIS COMPANY'S LIABILITY FOR LOSS UNDER THIS POLICY INCLUDING THIS EXTENSION OF COVERAGE SHALL NOT EXCEED THE S}JALLEST OF THE FOLLOW~G AI~OUNTS (1), (2) or (~)~ (1) ~E LIMIT OF LIABILITY OF THIS POLICY APPLICABLE TO THE DAMAGED OR DESTROYED BUILDING STRUCTURE; (2) THE REPLACEMENT COST OF THE BUI~ING STRUC- TURE OR ANY PART TttEREOF ID~TICAL WITH SUCH BUILDING STRUCTURE ON THE SAME DWELLING PREMISES AND IHT~DED FOR THE SAME OCCUPANCY AND USE; {3) THE AMOUNT ACTUALLY AND NECESSARILY EX- PENDED IN REPAIRING OR REPLAC~G SAID BUILDING STRUCTURE OR ANY PART THEREOF INTENDED FOil T[l~ SAME OCCUPANCY AND USE. (e) THIS COMPANY SHALL NOT BE LIABLE UNDER PARA- GRAPH lb) OR SUBPARAGRAPH (2) OF PARAGRAPH lc) OF THIS EXTENSION OF COVERAGE FOR ANY LOSS UNLESS AND UNTIL ACTUAL REPAIF: OR REPLACEMENT IS COMPLETED, (f) IN DETERMINING IF THE WHOLE AMOUNT OF INSUR- ANCE APPLICABLE TO SUCH BUILDING STRUCTUHE IS 80% OR MORE OF THE FULL REPLACEMENT COST OF SUCH BUILDING STRUCTURE, THE COST OF EXCAVATIONS, UNDER- GROUND FLUES AND PIPES, UNDERGROUND WIRING AND DRAINS, AND BRICK, STONE OR CONCRETE FOUNDATIONS, PIERS AND OTHER SUPPORTS WHICH ARE BELOW THE UNDER SURFACE OF THE I.O~fEST BASEMENT FLOOR, OR WHERE THERE IS NO BASEMENT, WHICH ARE BELOW THE SURFACE OF THE GROUND INSIDE THE FOUNDATION WALLS, SHALL BE DISREGARDED. (g) THE NAMED INSURED MAY ELECT TO DISREGARD THIS EXTENSION OF COVERAGE IN MAKING CLAIM IIEREUNDEH, BUT SUCH ELECTION SHALL NOT PREJUDICE THE NAMED INSURED'S RIGHT TO MAKE FURTHER CLAIM WITHIN 180 DAYS AFTER LOSS FOR ANY ADDITIONAL LIABILI~ BROUGHT ABOUT BY THIS EXTENSION OF COVERAGE. i. DEBRIS REMOVAL: THIS POLICY COVERS EXPOSES ~- CURRED IN THE REMOVAL OF ALL DEBRIS OF THE PROPER~ COVERED HEREUNDER OCCASIONED BY LOSS THERETO FOR WHICH COVERAGE IS AFFORDED, SPECIAL LIMITS OF LIABILITY I. THIS COMPANY SHALL NOT BE LIABLE IN ANY ONE LOSS WITH RESPECT TO THE FOLLOWING NAMED PROPERTY: la) FOR MORE TIIAN $100 ON MONEY, BULLION, NUMISMATIC PROPERTY AND DANK NOTES; (b) FOR MORE THAN $500 ON ACCOUNTS. BILLS, DEEDS. EVI- DENCES OF DEBT, LETTERS OF CREDIT, NOTES OTHER THAN BANK NOTES, PASSPORTS. RAILROAD AND OTHER TICKETS. SECURITIES, AND STAMI~S INCLUDING PHILATELIC PROP- ERTY; (c) FOR MORE THAN $I00 ON MANUSCRIPTS; (d) BY THEFT FOR MORE THAN $750 ON ANY SINGLE ARTICLE OF JEWELRY INCLUDING WATCHES. NECKLACES. BRACELETS. GEMS. PRECIOUS AND SEMI-PRECIOUS STONES AND ANY ARTICLE OF GOLD OR PLATINUM OR ANY ARTICLE OF FUR OR ANY ARTICLE CONTAINING FUR WHICH REPRESENTS ITS PRINCIPAL VALUE NOT MORE THAN $750 ON ANY ONE OCCURRENCE. SPECIAL EXCLUSIONS THE FOLLOWING SPECIAL EXCLUSIONS SHALL APPLY ONLY TO THE ADDITIONAL PERILS PROVIDED BY THIS EN* DORSEMENT. AND SHALL NOT APPLY TO THE PERILS IN- SURED UNDER THIS POLICY IN TIlE ABSENCE OF THIS EN- DORSEMENT. THIS COMPANY SHALL NOT BE LIABLE: (a) FOR LOS~ CAUSED BY, R~SULTING FROM, CONTRIBUTED TO OR AGG~AVATED BY A}'~Y OF THE FOLLOWING: (1) FLOOD, SURFACE WATER, WAVES. TIDAL %VATER OR TIDAL WAVE. OVERFLOW OF STREAMS OR OTHER BOP!ES OF WATER, OR SPRAY FROM. ANY OF TIIE FOREGOING. ALL WHETHER DRIVEN BY WIND OR NOT; (2) WATER WHICH BACKS UP TltROUG!I SEWERS OR DRAINS: (3) WATER BELOW THE SURFACE OF THE GROUND CLUDING THAT WttICH EXERTS PRESSURE ON OR FLOWS. SEEPS OR LEAKS THROUGH SIDEWALKS. DRIVEWAYS. FOUNDATIONS. WALLS, BASEMENT OR OTHER FLOORS, OR THROUGH DOORS, WINDOWS OR ANY OTHER OPENINGS, IN SUCH SIDEWALKS, DRIVEWAYS, FOUNDATIONS, WALLS OR FLOORS: UNLESS LOSS BY FIRE OR EXPLOSION EN- SUES, AND THEN TItIS COMPANY SttALL TIIEN BE LIABLE ONLY FOR SUCH ENSUING LOSS; BUT THIS EXCLUSION DOES NOT APPLY TO LOSS BY THEFT; (b) FOR LOSS OCCASIONED DIRECTLY OR INDIRECTLY BY ENFORCEMENT OF ANY LOCAL OR STATE ORDINANCE OR LAW REGULATING THE CONSTRUCTION, REPAIR, OR BEMO- LITION OF BUILDING(S) OR STRUCTURE(S) UNLESS SUCH LIABILITY IS OTHERWISE SPECIFICALLY ASSUMED BY EN- DORSEMENT HEREON: lc) FOR CONSEQUENTIAL LOSS OF ANY NATURE EXCEPT THAT LOSS TO PERSONAL PROPERTY COVERED HEREUNDER DUE TO CHANGE OF TEMPERATURE SHALL BE LIMITED TO SUCH LOSS RESULTING FROM PHYSICAL DAMAGE TO THE DESCRIBED BUILDING(S) OR TO EQUIPMENT THEREIN OR TO EQUIPMENT ON THE DESCRIBED PREMISES CAUSED BY A PERIL INSURED AGAINST~ (d) FOR LOSS TO OUTDOOR RADIO AND TELEVISION EQUIP- MENT UNLESS SPECIFICALLY COVERED UNDER A SEPARATE ITEM AND AN ADDITIONAL PREMIUM PAID THEREFOR; (e) FOR LOSS CAUSED BY, RESULTING FROM. CONTRIBUTED TO OR AGGRAVATED BY ANY EARTH MOVEMI~NT. INCLUD- ING BUT NOT LIMITED TO EARTItQUAKE, LANDSI~IDF,. MUD- FLOW. EARTH SINKING. RISING OR SHIFTING: UNLESS LOSS BY FIRE OR EXPLOSION ENSUES. AND THIS COMPANY SHALL THEN BE LIABLE ONLY FOR SUCH ENSUING LOS~: BUT THIS EXCLUSION DOES NOT APPLY TO LOSS BY THEFT: (f) UNDER COVERAGE D AND COVERAGE E FOR ANY ELEC- TRICAL INJURY OR DISTURBANCE TO ELECTRICAL APPLI- ANCES, DEVICES. FIXTURES OR WIRING CAUSED BY ELEC- TRICAL CURRENTS ARTIFICIALLY GENERATED UNLESS FIRE ENSUES AND. IF FIRE DOES ENSUE. THIS COM-PANY SHALL BE LIABLE ONLY FOR ITS PROPORTION OF LOSS BY SUCH ENSUING FIRE. (g) WITH RESPECT TO LOSSES DUE TO WINDSTROM. HAIL, EXPLOSION ETC., TO ROOFS, NOTHING HEREIN SHALL BE CONSTRUE~ AS REQUIRING REPLACEMENT THEREOF EX- CEPT FOR DEPRECIATED VALUE OF SAID ROOF BASED UPON EXPECTED LIFE OF SAID ROOF. 'aouaxo ,',tau oq3 o] poaaoJ. 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