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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 contributed 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 data involving any date change; or
- Anymodification of any system, whether the property of the Named Covered Party or others, to permit such system to recognize any data involving any date changes.
However, if physical loss or damage not otherwise excluded by this Agreement results, then subject to all its terms and conditions, this Agreement shall be liable only for such resulting loss or damage.
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 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 Covered Property by any government body, including any customs or quarantine action, or the confiscation or destruction of any Covered Property by order of any government or public authority, except an order to destroy Covered Property to prevent the spread of fire or explosion
Nuclear Hazard - Nuclear reaction or radiation, or radioactive contamination, except as provided in the Paragraph listed under Additional Coverage, Limited Radioactive Contamination.
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.
Mold/Fungus - Loss or damage caused by, arising out of, contributed to, or resulting from fungus, mold(s), mildew or yeast; or any spores or toxins created or produced by on emanating from such fungus, mold(s), mildew or yeast; regardless of any other cause or event that contributes concurrently or in any sequence to such loss.
Business Interruption - Except to the extent provided by this Agreement for Agencies that complete and submit Business Interruption Worksheets annually.
Limits of Coverage
The most DOAS will pay for any one covered loss occurrence (other than Boiler and Machinery) under this Agreement is $3,000,000.
Should a covered loss under this Agreement, arising from a single loss occurrence (other than Boiler and Machinery) exceed $3,000,000, the policy provisions contained in the commercial excess property insurance policies purchased by DOAS will dictate any additional limits of coverage available at the time.
Deductibles
All Covered Causes of Loss to Covered Property, with the exception of those shown below in this section, are subject to a $1,000 deductible; per occurrence EXCEPT the Georgia Ports Authority and Georgia World Congress Center Authority's deductible amount is $40,000 per occurrence.
Loss to Covered Property caused by or resulting from aircraft, watercraft or vehicles which you own or are operated in the course of your operations is subject to a $25,000 deductible, per occurrence, for all Agencies except the Georgia Ports Authority and the Georgia World Congress Center Authority.
Where the cause of loss is burglary, laptop computers are subject to a $1,000 deductible, per unit, subject to a maximum aggregate loss deductible of $25,000 per occurrence for all Agencies except the Georgia Ports Authority and the Georgia World Congress Center.
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