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SPECIAL PROPERTY COVERAGE FORM contaminants" unless the discharge, dispersal, seepage, migration, release or escape is itself caused by any of the "specified causes of loss." But if physical loss or physical damage by the "specified causes of loss" results, we will pay for the resulting physical loss or physical damage caused by the "specified cause of loss." 3. We will not pay for loss or damage caused by or resulting from any of the following. But if physical loss or physical damage by a Covered Cause of Loss results, we will pay for that resulting physical loss or physical damage. a. Weather conditions: Weather conditions. This exclusion only applies if weather conditions contribute in any way with a cause or event excluded in paragraph 1. above to produce the physical loss or physical damage. b. Acts or Decisions: Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body. c. Negligent Work: Faulty, inadequate or defective: (1) Planning, zoning, development, surveying, siting; (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; (3) Materials used in repair, construction, renovation or remodeling; or (4) Maintenance of part or all of any property on or off the "scheduled premises". 4. Business Income and Extra Expense Exclusions. We will not pay for: a. Any Extra Expense, or increase of Business Income loss, caused by or resulting from: (1) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (2) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration". b. Any other consequential loss. Page 18 of 25 5. Equipment Breakdown Exclusion We will not pay for physical loss or physical damage caused by or resulting from any of the following tests: (a) A hydrostatic, pneumatic or gas pressure test of any boiler or pressure vessel; or (b) An insulation breakdown test of any type of electrical equipment. C. LIMITS OF INSURANCE 1. The most we will pay for physical loss or physical damage in any one occurrence is the applicable Limit of Insurance shown in the Declarations. 2. The most we will pay for physical loss of or physical damage to outdoor signs attached to buildings is $5,000 per sign in any one occurrence. 3. The limits applicable to: a. Coverage Extensions; and b. The following Additional Coverages: (1) Accounts Receivable, (2) Fire Department Service Charges, (3) Fire Extinguisher Recharge, and (4) "Pollutants and Contaminants" Clean Up and Removal are in addition to the Limits of Insurance. 4. Payments under the following Additional Coverages will not increase the applicable Limit of Insurance: a. Preservation of Property; or b. Debris Removal; but if: (1) The sum of direct physical loss or physical damage and Debris Removal expense exceeds the Limit of Insurance; or (2) The Debris Removal expense exceeds the amount payable under the 25% limitation in the Debris Removal Additional Coverage. We will pay up to an additional $10,000 for each location stated in the Declarations in any one occurrence under the Debris Removal Additional Coverage. 5. Building Limit -Automatic Increase a. The Limit of Insurance for Buildings will automatically increase annually by 8%. b. The amount of increase will be: (1) The Limit of Insurance for Buildings that applied on the ew cF RAMwagementDMsian Jy/\'x REVIEWED & APPROVED BY: V"° --� Risk janagement Analyst