Covered Causes of Loss

Insurance coverage for Building and Content is provided against the following causes of loss:

Fire

Lightning

Explosion, including the explosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass.  This cause of loss does not include loss by:

1. Rupture, bursting or operation of pressure relief devises; or
2. Rupture or bursting due to expansion or swelling of the contents of any building or structure, caused by or resulting from water.

Windstorm or Hail, but not including:

1. Frost, freezing or cold weather;
2. Ice (other than hail), snow or sleet, whether driven by wind or not.

Smoke causing sudden and accidental loss or damage. This cause of loss does not include smoke from agricultural smudging or industrial operation.

Aircraft, Watercraft or Vehicles, meaning only physical contact of an aircraft, a spacecraft, a self-propelled missile, a watercraft, a vehicle or an object thrown up by a vehicle with the Covered Property. This cause of loss includes loss or damage by objects falling from aircraft. Coverage is also provided when loss is caused by or resulting from aircraft, watercraft or vehicles you own or which are operated in the course of the operations

Riot or Civil Commotion, including:

1. Acts of striking employees causing damage while occupying Covered Property; and
2. Looting occurring at the time and place of a riot or civil commotion.

Vandalism, meaning willful and malicious damage to, or destruction of the Covered Property. A police report is required to substantiate the loss.

Sprinkler Leakage, meaning leakage or discharge of any substance from an "Automatic Sprinkler System", including collapse of a tank that is part of the system, which causes damage to Covered Property. If the building or structure containing the "Automatic Sprinkler System" is Covered Property, DOAS will also pay you for the cost to:

1. Repair or replace damaged parts of the "Automatic Sprinkler System" if the damage results in sprinkler leakage; or is directly caused by freezing.
   
   
   
2. Tear out and replace any part of the building or structure to repair damage to the "Automatic Sprinkler System" that has resulted in sprinkler leakage.

Sinkhole Collapse, meaning loss caused by the sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or dolomite. This cause of loss does not include the cost of filling sinkholes; or sinking or collapse of land into man-made underground cavities.

Volcanic Action, meaning direct physical loss or damage resulting from the eruption of a volcano when the loss is caused by:

1. Airborne volcanic blast or airborne shock waves;
2. Ash, dust or particulate matter; or
3. Lava flow.

All volcanic eruptions that occur within any 168-hour period will constitute a single loss. This cause of loss does not include the cost to remove ash, dust or particulate matter that does not cause direct physical loss or damage to the described property.

Earth Movement, meaning direct physical loss or damage from any natural or man-made earth movement including, but not limited to earthquake or landslide, regardless of any other cause or event contributing concurrently or in any other sequence of loss. All earth movements within a continuous 168 hour period will be considered a single Earth Movement.

Flood, meaning direct physical loss or damage from surface waters; rising waters, waves; tide or tidal water; the release of water, the rising, overflowing or breaking of boundaries of natural or man-made bodies of water; or the spray therefrom; or sewer back-up resulting from any of the foregoing; regardless of any other cause or event contributing concurrently or in any other sequence of loss.

Falling objects, meaning objects of any type falling from any source. DOAS will not pay for loss to the interior of a building or structure, or property inside a building or structure, unless the roof or an outside wall of the building or structure is first damaged by a falling object.

Weight of Snow, Ice or Sleet causing damage to Covered Property.

Water Damage,meaning accidental discharge or leakage of water or steam, as the direct result of the breaking or cracking of any part of a system or appliance containing water or steam, other than an "automatic sprinkler system". If the building or structure containing the system or appliance is Covered Property, DOAS will also pay you for the cost to tear out and replace any part of the building or structure to repair damage to the system or appliance from which the water or steam escapes. Damage caused by water resulting from a Covered Cause of Loss to the interior of any covered building or structure, or to personal property inside the building or structure caused by rain, snow, sleet or ice is considered Water Damage.

DOAS will not pay for the cost to repair any defect that caused the loss or damage; for loss or damage caused by or resulting from continuous or repeated seepage or leakage of water, or the presence or condensation of humidity, moisture or vapor that occurs over a period of 14 days or more. DOAS will not pay for loss or damage caused by freezing, unless you do your best to maintain heat in the building or structure or you drain the equipment and shut off the water supply if the heat is not maintained .

Burglary, meaning loss to covered building(s) and/or loss of personal property resulting from "burglary". A police report must be provided.