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and Small Equipment Additional Coverage or for contractors equipment specifically endorsed and scheduled. This does not apply to your commercial tools and small equipment permanently installed or exclusively used at the described premises; v. Employee tools and small equipment except as provided for in the Additional Coverage for Commercial Tools and Small Equipment or when added by separate endorsement. w. Bridges of any type or kind unless the bridge is part of a building described in the Declarations. x. Property left or stored in the open except those that (1) typically reside outside or (2) are provided for in the Additional Coverages or Extensions of Coverage. y. Property In transit or otherwise off- premises except as specifically provided for elsewhere in this policy. 3. Covered Causes Of Loss Risks of direct physical loss unless the loss is: a. Excluded in Paragraph B. Exclusions in Section I; or b. Limited In Paragraph 4. Limitations in Section 1. 4. Limitations a. We will not pay for loss of or damage to (1) Property that is missing, where the only evidence of the loss or damage is a shortage disclosed on taking inventory, or other instances where there is no physical evidence to show what happened to the property. This limitation does not apply to the Additional Coverage for Money and Securities. (2) Property that has been transferred to a person or to a place outside the described premises on the basis of unauthorized instructions. (3) The interior of any building or structure caused by or resulting from rain, snow, sleet, ice, sand or dust, whether driven by wind or not, unless: (a) The building or structure first sustains damage by a Covered Cause of Loss to its roof or walls through which the rain, snow, sleet, ice, sand or dust enters; or (b) The loss or damage is caused by or results from thawing of snow, sleet or Ice on the building or structure. b. We will not pay for loss of or damage to fragile articles such as glassware, statuary of any type (including fountains), marbles, chinaware and porcelains, if broken, unless breakage was caused by one or more of the "specified causes of loss" or building glass breakage. This restriction does not apply to: (1) Glass that is part of the exterior or interior of a building or structure; (2) Property held for sale and stored in their original packaging or containers; or (3) Photographic lenses or scientific instrument lenses. c. For loss or damage by "theft ", the following types of property are covered only up to the limits shown: (1) $10,000 for furs, fur garments and garments trimmed with fur. (2) $10,000 for jewelry, watches, watch movements, jewels, pearls, precious and semi - precious stones, bullion, gold, silver, platinum and other precious alloys or metals. This limit does not apply to jewelry and watches worth $250 or less per item. 5. Additional Coverages Unless otherwise stated, payments made under the following Additional Coverages will not Increase the applicable limits of insurance. All policy Exclusions, Limitations and Conditions apply unless otherwise stated. a. Debris Removal Subject to Paragraphs (2) and (3), we will pay your expense to remove debris of Covered Property caused by or resulting from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of direct physical loss or damage. (1) Debris Removal does not apply to costs to: (a) Extract "pollutants" from land or water: or (b) Remove, restore or replace polluted land or water. (2) Subject to the exceptions in Paragraph (3) below, the following provisions apply: (a) The most that we will pay for the total of direct physical loss or damage plus debris ,removal expense is the Limit of Insurance 391 -1003 06 09 Includes copyrighted material of Insurance Services Page 6 of 66 17,950 Office, Inc. with its permission