Exclusions

DOAS will not pay for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss.

Asbestos Materials

• Asbestos material removal unless the asbestos itself is damaged by fire, lightning, explosion, windstorm or hail, smoke, aircraft or vehicle impact, riot or civil commotion, vandalism, or sprinkler leakage;
• Demolition or increased cost of construction, repair, debris removal or loss of use necessitated by the enforcement of any law or ordinance regulating asbestos material;
• Any governmental direction or request declaring that asbestos material present in or part of or utilized on any undamaged portion of your property can no longer be used for the purpose for which it was intended or installed and must be removed or modified.

Electronic Date Recognition

• The failure of any system, whether the property of the Named Covered Party or others, to recognize any date involving any date change; or
• Any modification of any system, whether the property of the Named Covered Party or others, to permit such system to recognize any data involving any date change.
  

Definitions for Electronic Date Recognition exclusion:

"System" means any computer system, hardware, firmware, program, or software or any microchip, integrated circuit, or similar device in computer equipment equipment or non-computer equipment.

"Recognize" means to recognize, interpret, calculate, compare, differentiate, distinguish, accept, sequence or process.

"Data" means any data, instruction or information.

"Date Change" means the date change to the year 2000, the date change in any leap year or any other date change.

"Modification" means any modification, change, addition, alteration or correction.

Governmental Action

Seizure or destruction of property by any government authority. DOAS will pay for acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would have been covered under this Agreement.

Nuclear Hazard

Nuclear reaction or radiation, or radioactive contamination, except as provided in Paragraph under referring to Limited Radioactive Contamination, under Additional Coverage.

War and Military Action

• War, including undeclared or civil war;
• Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or
• Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.

Limits of Coverage

The most DOAS will pay for any one covered loss under this Agreement is the actual loss up to the reported value amount. This amount is the value reported by you to DOAS on the "Property Register" on an annual basis.