Special Perils

When "Special" is shown in the property declarations, this "Cause of Loss" provides coverage on an open perils basis, that is, it insures against all risks except those specifically excluded or limited.

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

1. Ordinance or Law. The enforcement of any ordinance or law:
   1. Regulating the construction, use or repair of any property; or
   2. Requiring the tearing down of any property, including the cost of removing its debris. This exclusion, Ordinance or Law, applies whether the loss results from:
      1. An ordinance or law that is enforced even if the property has not been damaged; or
      2. The increased costs incurred to comply with an ordinance or law in the course of construction, repair, renovation, remodeling or demolition of property, or removal of its debris, following a physical loss to that property.
2. Earth Movement
   1. Any earth movement (other than sinkhole collapse), such as an earthquake, landslide, mine subsidence or earth sinking, rising or shifting. But if earth movement results in fire or explosion, we will pay for the loss or damage caused by that fire or explosion.
   2. Volcanic eruption, explosion or effusion. But if volcanic eruption, explosion or effusion results in fire or Volcanic Action, we will pay for the loss or damage caused by that fire or Volcanic Action.
3. Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this Coverage Part.
4. Nuclear Hazard Nuclear reaction or radiation, or radioactive contamination, however caused. But if nuclear reaction or radiation, or radioactive contamination, results in fire, we will pay for the loss or damage caused by that fire.
5. Utility Services The failure of power or other utility service supplied to the described premises, however caused, if the failure occurs away from the described premises. But if the failure of power or other utility service supplied to the described premises, however caused, if the failure occurs away from the described premises. This exclusion does not apply to the Business Income coverage or to Extra Expense coverage.
6. War and Military Action
   1. War, including undeclared or civil war;
   2. 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
   3. Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.
7. Water
   1. Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or not;
   2. Mudslide or mudflow;
   3. Water that backs up or overflows from a sewer, drain or sump;
   4. Water under the ground surface pressing on, or flowing or seeping through:
      1. Foundations, walls, floors or paved surfaces;
      2. basements, whether paved or not; or
      3. Doors, windows or other openings. But if Water results in fire, explosion or sprinkler leakage, we will pay for the loss or damage caused by that fire, explosion or sprinkler leakage.