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abrupt collapse of a building insured under this policy and the property is Covered Property under this policy. (5) If personal property abruptly falls down or caves in and such collapse is not the result of abrupt collapse of a building, we will pay for loss or damage to Covered Property caused by such collapse of personal property only if: (a) The abrupt collapse of personal property was caused by a cause of loss listed in Paragraphs (2)(a) through (2)(d) of this Additional Coverage; (b) The personal property which collapses Is inside a building; and (c) The property which collapses is not of a kind listed in Paragraph (4), regardless of whether that kind of property is considered to be personal property or real property. The coverage stated in this Paragraph (5) does not apply to personal property if marring and /or scratching is the only damage to that personal property caused by the collapse. (6) This additional coverage - Collapse does not apply to personal property that has not abruptly fallen down or caved in, even if the personal property shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. This Additional Coverage, Collapse, does not increase the Limits Of Insurance of Section I - Property. e. Water Damage, Other Liquids, Powder or Molten Material Damage If loss or damage caused by or resulting from covered water or other liquid, powder or molten material damage loss occurs, we will also pay the cost to tear out and replace any part of the building or structure to repair damage to the system or appliance from which the water or other substance escapes. We will not pay the cost to repair any defect that caused the loss or damage; but we will pay the cost to repair or replace damaged parts of fire extinguishing equipment if the damage: (1) Results in discharge of any substance from an automatic fire protection system; or (2) Is directly caused by freezing 391 -1003 06 09 17,953 I�1Y Hanover Insurance Croup - OB39898815 1001051 This Additional Coverage does not increase the Limits of Insurance of Section I - Property. f. Loss of Business Income When Business Income Coverage is provided under this policy: (1) Business Income (a) We will pay for the actual loss of Business Income you sustain due to the necessary suspension of your "operations" during the "period of restoration ". The suspension must be caused by direct physical loss of or damage to property at the described premises. The loss or damage must be caused by or result from a Covered Cause of Loss. With respect to loss of or damage to personal property in the open or personal property in a vehicle, the described premises include the area within 1000 feet of the site at which the described premises are located. With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the described premises are located, your premises means: (1) The portion of the building which you rent, lease or occupy; and (2) Any area within the building or on the site at which the described premises are located, If that area services, or is used to gain access to, the described premises. (b) We will only pay for loss of Business Income that you sustain during the "period of restoration" and that occurs within the designated, consecutive number of months found on the Declarations Page beginning immediately after the date of direct physical loss or damage. For purposes of this insurance, all recoverable loss ceases when the "period of restoration" ends. (c) Business Income means the; (1) Net Income (Net Profit or Loss before Income taxes) that would have been earned or incurred if no physical loss or damage had Includes copyrighted material of Insurance Services Page 9 of 66 Office, Inc. with its permission