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COMMERCIAL PROPERTY CP 10 30 09 17 CAUSES OF LOSS – SPECIAL FORM Words and phrases that appear in quotation marks have special meaning. Refer to Section G. Definitions. A. Covered Causes Of Loss (4) Earth sinking (other than sinkhole collapse), rising or shifting including soil When Special is shown in the Declarations, conditions which cause settling, Covered Causes of Loss means direct physical cracking or other disarrangement of loss unless the loss is excluded or limited in this foundations or other parts of realty. Soil policy. conditions include contraction, B. Exclusions expansion, freezing, thawing, erosion, improperly compacted soil and the 1. We will not pay for loss or damage caused action of water under the ground directly or indirectly by any of the following. surface. Such loss or damage is excluded regardless of any other cause or event that contributes But if Earth Movement, as described in concurrently or in any sequence to the loss. b.(1) through (4) above, results in fire or explosion, we will pay for the loss or a. Ordinance Or Law damage caused by that fire or explosion. The enforcement of or compliance with any (5) Volcanic eruption, explosion or effusion. ordinance or law: But if volcanic eruption, explosion or (1) Regulating the construction, use or effusion results in fire, building glass repair of any property; or breakage or Volcanic Action, we will pay (2) Requiring the tearing down of any for the loss or damage caused by that property, including the cost of removing fire, building glass breakage or Volcanic its debris. Action. This exclusion, Ordinance Or Law, applies Volcanic Action means direct loss or whether the loss results from: damage resulting from the eruption of a volcano when the loss or damage is (a) An ordinance or law that is enforced caused by: even if the property has not been damaged; or (a) Airborne volcanic blast or airborne shock waves; (b) The increased costs incurred to comply with an ordinance or law in (b) Ash, dust or particulate matter; or the course of construction, repair, (c) Lava flow. renovation, remodeling or demolition With respect to coverage for Volcanic of property, or removal of its debris, Action as set forth in (5)(a), (5)(b) and following a physical loss to that (5)(c), all volcanic eruptions that occur property. within any 168-hour period will constitute b. Earth Movement a single occurrence. (1) Earthquake, including tremors and Volcanic Action does not include the aftershocks and any earth sinking, rising cost to remove ash, dust or particulate or shifting related to such event; matter that does not cause direct (2) Landslide, including any earth sinking, physical loss or damage to the rising or shifting related to such event; described property. (3) Mine subsidence, meaning subsidence This exclusion applies regardless of of a man-made mine, whether or not whether any of the above, in Paragraphs mining activity has ceased; (1) through (5),is caused by an act of nature or is otherwise caused. CP 10 30 09 17 © Insurance Services Office, Inc.,2016 Page 1of 10