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by someone who impersonates zoning or land use you or your agent; and requirements at the (b) Credit, debit or charge slips or described premise; documents, including (ii) Is in force at the time of signatures or the entry of a loss; and Personal Identification Number iii Was not in force at the time ( ) (PIN) into a payment processing device" required the involved construction with the use of any credit, was completed. debit, or charge card issued to But coverage under this you or any "employee" for Additional Coverage applies business purposes. only in response to the (2) Under this Additional Coverage, all minimum requirements of the ordinance or law. Losses and loss: costs incurred in complying (a) Caused by one or more with recommended actions or persons; or standards that exceed actual (b) Involving a single act or series requirements are not covered of related acts; under this Additional Coverage. is considered one occurrence. (b) The building sustains direct physical damage: (3) If you are sued for refusing to pay the check, draft, promissory note, (i) That is covered under this bill of exchange or similar written Coverage Form and as a promises of payment in "money", result of such damage, you on the basis that it has been forged are required to comply with or altered, and you have our the ordinance or law; or written consent to defend against (ii) That is covered under this the suit, we will pay for any Coverage Form and direct reasonable legal expenses that you physical damage that is not incur in that defense. covered under this (4) For purposes of this Additional Coverage Form and as a Coverage, check includes a result of the building substitute check as defined by the damage in its entirety, you United States Congress in the are required to comply with Check Clearing for the 21st Century the ordinance or law. Act and will be treated the same as (iii) But if the damage is not the original it replaced. covered under this (5) The most we will pay for any loss, Coverage Form and such including legal expenses, under damage is the subject of this Additional Coverage is $25,000, the ordinance or law, then unless a higher Limit of Insurance there is no coverage under is shown in the Schedule of this Additional Coverage Amended Limits of Insurance. even if building has also sustained covered direct I. Ordinance or Law physical damage. (1) This Additional Coverage applies (c) In the situation described in only to buildings insured on a (2) Application of Coverages, replacement cost basis. paragraph (b), subparagraph (2) Application of Coverages: (ii) above, we will not pay the full amount of loss otherwise The coverages provided under this payable under the terms of Additional Coverage applies only if coverages for Coverage for paragraphs (a) and (b) below, are Loss to the Undamaged satisfied and are then subject to Portion of the Building, the qualifications found in (c) Demolition Cost Coverage or below. Increased Cost of (a) The ordinance or law: Construction Coverage. (i) Regulates the demolition, Instead, we will pay a proportion of such loss, construction or repair of buildings, or establishes meaning the proportion that µ ILLi3RMmag'ah1ed DiAsiun REVIEWED&APPROVmSY: 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. }� JN �,.. --� Risk Pjanagement Analyst