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who impersonates you or your <br />zoning or land use <br />agent; and <br />requirements at the described <br />(b) Credit, debit or charge slips or <br />premise; <br />documents, including signatures <br />(ii) Is in force at the time of loss; <br />or the entry of a Personal <br />and <br />Identification Number (PIN) into a <br />(!!!)Was not in force at the time <br />"payment processing device' <br />the involved construction was <br />required with the use of any credit, <br />completed. <br />debit, or charge card issued to <br />you or any "employee" for <br />a under this Additional But covers <br />9 <br />business purposes. <br />Coverage applies only in <br />(2) <br />Under this Additional Coverage, all <br />response to the minimum <br />requirements of the ordinance or <br />loss: <br />law. Losses and costs incurred in <br />(a) Caused by one or more persons; <br />complying with recommended <br />or <br />actions or standards that exceed <br />(b) Involving a single act or series of <br />actual requirements are not <br />related acts; <br />covered under this Additional <br />Coverage. <br />is considered one occurrence. <br />(b) The building sustains direct <br />(3) <br />If you are sued for refusing to pay the <br />physical damage: <br />check, draft, promissory note, bill of <br />exchange or similar written promises <br />(i) That is covered under this <br />of payment in "money", on the basis <br />Coverage Form and as a <br />that it has been forged or altered, and <br />result of such damage, you <br />you have our written consent to <br />are required to comply with <br />defend against the suit, we will pay for <br />the ordinance or law, or <br />any reasonable legal expenses that <br />(ii) That is covered under this <br />you incur in that defense. <br />Coverage Form and direct <br />(4) <br />For purposes of this Additional <br />physical damage that is not <br />Coverage, check includes a substitute <br />covered under this Coverage <br />check as defined by the United States <br />Form and as a result of the <br />Congress in the Check Clearing for <br />building damage in its <br />the 21" Century Act and will be <br />entirety, you are required to <br />treated the same as the original it <br />comply with the ordinance or <br />replaced. <br />law. <br />(5) <br />The most we will pay for any loss, <br />(if!) But if the damage is not <br />including legal expenses, under this <br />covered under this Coverage <br />Additional Coverage is $25,000, <br />Form and such damage is the <br />unless a higher Limit of Insurance is <br />subject of the ordinance or <br />shown in the Schedule of Amended <br />law, then there is no coverage <br />Limits of Insurance. <br />under this Additional <br />Coverage even if building has <br />I. Ordinance or Law <br />also sustained covered direct <br />(1) <br />This Additional Coverage applies only <br />physical damage. <br />to buildings insured on a replacement <br />(c) In the situation described in (2) <br />cost basis. <br />Application of Coverages, <br />(2) <br />Application of Coverages: <br />paragraph (b), subparagraph (ii) <br />The coverages provided under this <br />above, we will not pay the full <br />Additional Coverage applies only if <br />amount of loss otherwise payable <br />paragraphs (a) and (b) below, are <br />under the terms of coverages for <br />satisfied and are then subject to the <br />Coverage for Loss to the <br />qualifications found in (c) below. <br />Undamaged Portion of the <br />Building, Demolition Cost <br />(a) The ordinance or law: <br />Coverage or Increased Cost of <br />(i) Regulates the demolition, <br />Construction Coverage. Instead, <br />construction or repair of <br />we will pay a proportion of such <br />buildings, or establishes <br />loss, meaning the proportion that <br />391-1003 08 16 <br />Includes copyrighted material of Insurance Services <br />Office, Inc., with its permission. Page 14 of 81 <br />