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e. at our request, give us complete inven- 8. Legal Action Against Us. No one may bring tories of the damaged and undamaged legal action against us under this insurance property. Include quantities, costs, val- unless: ues and amount of loss claimed; there has been full compiiance with all of a. f. permit us to inspect the property and the terms of this insurance; and records proving the loss; b. the action is brought within two years g. if requested, permit us to question you after the date on which the accidental under oath at such times as may be direct physical loss occurred. But if the reasonably required about any matter law of the state in which this policy is relating to this insurance or your claim, issued allows more than two years to including your books and records. In bring legal action against us, that longer such event, your answers must be period of time will apply. signed; 9. Recovered Property. If either you or we h. send us a signed, sworn statement of recover any property after loss settlement, loss containing the information we re- that party must give the other prompt notice. quest to settle the claim. You must do At your option, the property will be returned this within 60 days after our request. We to you. You must then return to us the amount will su pply you with the necessary forms; we paid to you for the property. We will pay recovery expenses and the expenses to re- i. cooperate with us in the investigation or pair the recovered property subject to the limit settlement of the claim; of insurance. j. resume all or part of your business ac- 10. No Benefit to Bailee. No person or organi- tivities at the described premises as zation, other than you, having custody of cov- quickly as possible. ered property will benefit from this insurance. 6. Appraisal. If you and we disagree on the value 11. Knowledge or Control. We will not pay for of the property or the amount of loss, either may loss while the chance of loss is increased by make written demand for an appraisal ofthe loss. any means within your knowledge or control. In this event, each party will select a competent and impartial appraiser. Each party will notify the 12. Polley Period, Coverage Territory. We other of the selected appraiser's identity within cover loss commencing during the policy pe- 20 days after receipt of the written demand for riod and within or between the coverage ter- an appraisal. The two appraisers will select an ritory. The coverage territory is the United umpire. If the appraisers cannot agree upon an States of America (including its territories and umpire within 15 days, either may request that possessions), Puerto Rico and Canada. selection be made by a judge of a court having jurisdiction. The appraisers will state separately 13. Changes. This policy contains all the agree- the value of the property and amount of loss. If ments between you and us concerning the they fail to agree, they will submit their differ- insurance afforded. You are authorized to ences to the umpire. A decision agreed to by any make changes in the terms of this policy only two will be binding. Each party will: with our consent. This policy's terms can be amended or waived only by endorsement a. pay its chosen appraiser; and issued by us and made a part of this policy. b. bear the other expenses of the appraisal 14. Concealment, Misrepresentation or and umpire equally. Fraud. This policy is void in any case of fraud by you as it relates to the policy at any time. If we submit to an appraisal, we will still retain It is also void if you or any other insured our right to deny the claim. intentionally conceal or misrepresent a mate- rial fact concerning: 7. Abandonment. There can be no abandon- ment of any property to us. a. this policy; (CONTINUED)