Basic Perils

When "Basic" is shown in the property declarations, this means that the property is coverage when damaged by:

1. Fire
2. Lightning.
3. 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 or damage by:
   1. Rupture, bursting or operation of pressure relief devices; or
   2. Rupture or bursting due to expansion or swelling of the contents of any building or structure, caused by or resulting from water.
4. Windstorm or Hail, but not including:
   1. Frost or cold weather;
   2. Ice (other than hail), snow or sleet, whether driven by wind or not; or
   3. Loss or damage to the interior of any building or structure, or the property inside the building or structure, caused by rain, snow, sand or dust, whether driven by wind or not, unless the building or structure first sustains wind or hail damage to its roof or walls through which the rain, snow, sand or dust enters.
5. Smoke causing sudden and accidental loss or damage. This cause of loss does not include smoke from agricultural smudging or industrial operations.
6. Aircraft or Vehicles, meaning only physical contact of an aircraft, a spacecraft, a self-propelled missile, a vehicle or an object thrown up by a vehicle with the described property or with the building or structure containing the described property. This cause of loss includes loss or damage by objects falling from aircraft. We will not pay for loss or damage caused by or resulting from vehicles you own or which are operated in the course of your business.
7. Riot or Civil Commotion, including:
   1. Acts of striking employees while occupying the described premises; and
   2. Looting occurring at the time and place of a riot or civil commotion.
8. Vandalism, meaning willful and malicious damage to, or destruction of, the described property. We will not pay for loss or damage:
   1. To glass (other than glass building blocks) that is part of a building, structure, or an outside sign; but we will pay for loss or damage to other property caused by or resulting from breakage of glass by vandals.
   2. Caused by or resulting from theft, except for building damage caused by the breaking in or exiting of burglars.
9. 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. If the building or structure containing the Automatic Sprinkler System is Covered Property, we will also pay 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. Automatic Sprinkler System means "Any automatic fire protective or extinguishing system", including connected:
      1. Sprinklers and discharge nozzles;
      2. Ducts, pipes, valves and fittings;
      3. Tanks, their component parts and supports; and
      4. Pumps and private fire protection mains.
   3. When supplied from an automatic fire protective system:
      1. Non-automatic fire protective systems; and
      2. Hydrants, standpipes and outlets.
10. Sinkhole Collapse, meaning loss or damage 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:
    1. The cost of filling sinkholes; or
    2. Sinking or collapse of land into man-made underground cavities.
11. Volcanic Action, meaning direct loss or damage resulting from the eruption of a volcano when the loss or damage 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 occurrence. 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.