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damage is caused by or results from a Covered Cause of Loss. (2) Regardless of the number of described premises involved, the most we will pay for loss or damage in any one occurrence is $26,000. (3) Payment for loss or damage to this property is included in the applicable Limit of Insurance. (4) Special Paved Surfaces Exclusion We will not pay for loss or damage caused by tree roots, freezing or thawing. m. Underground Pipes (1) If your policy covers Buildings, you may extend the insurance provided in SECTION I — PROPERTY, A. Coverage, 1. Covered Property, a. Building to apply to direct physical loss or damage to underground pipes, flues and drains when such loss or damage is caused by or results from a Covered Cause of Loss. (2) The most we will pay for loss under this Coverage Extension is the applicable Limit of Insurance. (3) Payment under this Additional Coverage is included within the Limit of Insurance. (4) Special Underground Pipes Exclusion We will not pay for loss or damage caused by tree roots. B. Exclusions 1. 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. a. Ordinance or Law (1) The enforcement of or compliance with any ordinance or law: (a) Regulating the construction, use or repair of any property; or (b) Requiring the tearing down of any property, including the cost of removing its debris. (b) 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. This exclusion does not apply to the Ordinance or Law Additional Coverage. b. Earth Movement (1) Earthquake, including tremors and aftershocks and any earth sinking, rising or shifting related to such event; (2) Landslide, including any earth sinking, rising or shifting related to such event; (3) Mine subsidence, meaning subsidence of a man-made mine, whether or not mining activity has ceased; (4) Earth sinking (other than sinkhole collapse), rising or shifting including soil conditions which cause settling, cracking or other disarrangement of foundations or other parts of realty. Soil conditions include contraction, expansion, freezing, thawing, erosion, improperly compacted soil and the action of water under the ground surface. But if Earth Movement, as described in paragraphs (1), (2), (3) and (4) above, results in fire or explosion, we will pay for the loss or damage caused by that fire or explosion.. (5) Volcanic eruption, explosion or effusion. But if volcanic eruption, explosion or effusion results in fire, building glass breakage or volcanic action, we will pay for the loss or damage caused by that fire, building glass breakage or volcanic action. Volcanic action means direct loss or damage resulting from the eruption of a volcano when the loss or damage is caused by: (a) Airborne volcanic blast or airborne shock waves; (b) Ash, dust or particulate matter; or (2) This exclusion, Ordinance or Law, (c) Lava flow. applies whether the loss results from: With respect to coverage for volcanic (a) An ordinance or law that is action as set forth in paragraph (5), enforced even if the property has subparagraphs (a), (b) and (c) above, not been damaged; or all volcanic eruptions that occur within 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with Its permission. Page 40 of 81