CP 10 30 06 07 CAUSES OF LOSS – SPECIAL FORM

1 COMMERCIAL PROPERTYCP 10 30 06 07CP 10 30 06 07 ISO Properties, Inc.,2007 Page1of10 CAUSES OF loss SPECIAL FORMW ords and phrases that appear in quotation marks have SPECIAL meaning. Refer to SectionG., CAUSES Of LossWhen SPECIAL is shown in the Declarations, Cov-ered CAUSES of loss means Risks Of Direct Phys-ical loss unless the loss in SectionB.,Exclusions; in SectionC.,Limitations;that will not pay for loss or damage causeddirectly or indirectly by any of the loss or damage is excluded regardless ofany other cause or event that contributes con-currently or in any sequence to the Or LawThe enforcement of any ordinance or law:(1)Regulating the construction, use orrepair of any property ; or(2)Requiring the tearing down of any prop-erty, including the cost of removing exclusion, Ordinance Or Law, applieswhether theloss results from:(a)An ordinance or law that is enforcedeven if the property has not beendamaged.

2 Or(b)The increased costs incurred tocomply with an ordinance or law inthe course of construction, repair,renovation, remodeling or demolitionof property , or removal of its debris,following a physical loss to Movement(1)Earthquake, including any earth sinking,rising or shifting related to such event;(2)Landslide, including any earth sinking,rising or shifting related to such event;(3)Mine subsidence, meaning subsidenceof a man-made mine, whether or notmining activity has ceased;(4)Earth sinking (other than sinkhole col-lapse), rising or shifting including soilconditions which cause settling, crack-ing orother disarrangement of founda-tions or other parts of realty.

3 Soil condi-tions include contraction, expansion,freezing, thawing, erosion, improperlycompacted soil and the action of waterunder the ground if Earth Movement, as described inb.(1)through(4)above, results in fire orexplosion, we will pay for the loss or dam-age caused by that fire or explosion.(5)Volcanic eruption, explosion or if volcanic eruption, explosion or ef-fusion results in fire, building glassbreakage or Volcanic Action, we will payfor the loss or damage caused by thatfire, building glass breakage or means direct loss ordamage resulting from the eruption of avolcano when the loss or damage iscaused by:(a)Airborne volcanic blast or airborneshock waves;(b)Ash, dust or particulate matter.

4 Or(c)Lava volcanic eruptions that occur withinany 168-hour period will constitute asingle does not include thecost to removeash, dust or particulatematter that does not cause direct physi-cal loss or damage to the ActionSeizure or destruction of property by orderof governmental we will pay for loss or damage causedby orresulting from acts of destruction or-dered by governmental authority and takenat the time of a fire to prevent its spread, ifthe fire would be covered under this Cover-age ISO Properties, Inc.,2007CP 10 30 06 07 HazardNuclear reaction or radiation, or radioactivecontamination, however if nuclear reaction or radiation, or ra-dioactive contamination, results in fire, wewill pay for the loss or damage caused bythat ServicesThe failure of power, communication, wateror other utility service supplied to the de-scribed premises, however caused, if thefailure:(1)Originatesaway from thedescribedpremises.

5 Or(2)Originates at the described premises,but only if such failureinvolves equip-ment used to supply the utility service tothe described premises from a sourceaway from the described any utility serviceincludes lack ofsufficient capacity and reduction in or damage caused by a surge of pow-er is also excluded, if the surge would nothave occurred but for an event causing afailure of if the failure or surgeofpower, or thefailure of communication, water or other util-ity service,results in a Covered Cause ofLoss, we will pay for the loss or damagecaused by that Covered Cause of services include but are notlimited to service relating to Internet accessor access to any electronic, cellular or satel-lite And Military Action(1)War, including undeclared or civil war;(2)Warlike action by a military force, includ-ing action in hindering or defendingagainst an actual or expected attack, byany government, sovereign or other au-thority using military personnel or otheragents.

6 Or(3)Insurrection,rebellion,revolution,u surped power, or action taken bygo-vernmental authority in hindering or de-fending against any of (1)Flood, surface water, waves, tides, tidalwaves, overflow of any body of water, ortheir spray, all whether driven by wind ornot;(2)Mudslide or mudflow;(3)Water that backs up or overflows from asewer, drain or sump; or(4)Water under the ground surface press-ing on, or flowing or seeping through:(a)Foundations, walls, floors or pavedsurfaces;(b)Basements, whether paved or not; or(c)Doors, windows or other if Water, as described ing.(1)throughg.(4)above, results in fire, explosion orsprinkler leakage, we will pay for the loss ordamage caused by that fire, explosion orsprinkler "Fungus", Wet Rot, Dry Rot AndBacteriaPresence, growth, proliferation, spread orany activity of "fungus", wet or dry rot if "fungus", wet or dry rot or bacteria re-sults in a "specified cause of loss ", we willpay for the loss or damage caused by that"specified cause ofloss".

7 This exclusion does not "fungus", wet or dry rot or bacteriaresults from fire or lightning; the extent that coverage is providedin the Additional Coverage LimitedCoverage For "Fungus", Wet Rot, DryRot And Bacteria with respect to loss ordamage by a cause of loss other thanfire or whetheror not the loss event results in widespreaddamage or affects a substantial will not pay for loss or damage caused byor resulting from any of the generated electrical, magnetic orelectromagnetic energy that damages, dis-turbs, disrupts or otherwise interferes withany:(1)Electrical or electronic wire, device,appliance, system or network.

8 Or(2)Device, appliance, system or networkutilizing cellular or satellite 10 30 06 07 ISO Properties, Inc.,2007 Page3of10 For the purpose of this exclusion, electrical,magnetic or electromagnetic energy in-cludes but is not limited to:(a)Electrical current, including arcing;(b)Electrical charge produced or con-ducted by a magnetic or electromag-netic field;(c)Pulse of electromagnetic energy; or(d)Electromagnetic waves or if fire results, we will pay for the loss ordamage caused by that , loss ofuse or loss of , vapor or gas from agriculturalsmudging or industrial (1)Wear and tear;(2)Rust or other corrosion, decay, deteri-oration, hidden or latent defect or anyquality in property that CAUSES it to dam-age or destroy itself;(3)Smog;(4)Settling, cracking, shrinking or expan-sion;(5)Nesting or infestation, or discharge orrelease of waste products or secretions,by insects, birds, rodents or other ani-mals.

9 (6)Mechanical breakdown, including rup-ture or bursting caused by centrifugalforce. But if mechanical breakdown re-sults in elevator collision, we will pay forthe loss or damage caused by that ele-vator collision.(7)The following CAUSES of loss to personalproperty:(a)Dampness or dryness of atmos-phere;(b)Changes in or extremes of tempera-ture; or(c)Marring or if an excluded cause of loss that islisted (1)through(7)results in a"specified cause of loss " or building glassbreakage, we will pay for the loss or dam-age caused by that "specified cause ofloss" or building glass of steam boilers, steam pipes,steam engines or steam turbines owned orleased by you, or operated under your con-trol.

10 But if explosion of steam boilers, steampipes, steam engines or steam turbines re-sults in fire or combustion explosion, we willpay for the loss or damage caused by thatfire or combustion explosion. We will alsopay for loss or damage caused by or result-ing from the explosion of gases or fuel with-in the furnace of any fired vessel or withinthe flues or passages through which thegases of combustion or repeated seepage or lea-kage of water, or the presence or conden-sation of humidity, moisture or vapor, thatoccurs over a period of 14 days or , other liquids, powder or moltenmaterial that leaks or flows from plumbing,heating, air conditioning or other equipment(except fire protective systems) caused byor resulting from freezing, unless.