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committed or events occurring during the policy period. Regardless of the number of years this policy remains In force or the number of premiums paid, no Limit of Insurance cumulates from year to year. (5) The most we will pay for any loss, including legal expenses, under this Additional Coverage is $10,000. This Additional Coverage Is not subject to the Limits of Insurance of Section I - Property. I. Ordinance or Law (1) This Additional Coverage applies only: (a) When a Limit of Insurance for the affected building (or buildings) is shown on the Declarations, and then only (b) To buildings insured on a replacement cost basis. (2) Application of Coverages: The coverages provided under this Additional Coverage apply only if (a) and (b) are satisfied and are then subject to the qualifications found in (c). (a) The Ordinance or law: (i) Regulates the demolition, construction or repair of buildings, or establishes zoning or land use requirements at the described premise; (it) Is in force at the time of loss; and (iii) Was not in force at the time the involved construction was completed. But coverage under this Additional Coverage applies only in response to the minimum requirements of the ordinance or law. Losses and costs incurred in complying with recommended actions or standards that exceed actual requirements are not covered under this Additional Coverage. i'np . Hanover Insurance Group.. 01339898815 1001051 direct physical damage, that is not covered under this policy, and the building damage in its entirety results in enforcement of the ordinance or law. (iii) But if the building sustains physical damage that Is not covered under this policy, (iv) and such damage Is the subject of the ordinance or law, then there is no coverage under this endorsement even if the building has also sustained covered direct physical damage. (c) In the situation described in (b) (ii) above, we will not pay the full amount of loss otherwise payable under the terms of coverages for Coverage for Loss or Damage to the Undamaged Portion of the Building, Demolition Cost Coverage or Increased Cost of Construction Coverage. Instead, we will pay a proportion that covered direct physical damage bears to the total direct physical damage. Section (7) of this coverage provides an example of this procedure. However, if the covered direct physical damage alone would have resulted in enforcement of the ordinance or law, then we will pay the full amount of the loss otherwise payable under the terms of Coverages for Loss or Damage to the Undamaged Portion of the Building, Demolition Cost Coverage or Increased Cost of Construction Coverage. (3) We will not pay under this Additional Coverage for the costs associated with the enforcement of any ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or In any way respond to, or assess the effects of "pollutants ". (4) Coverage (b) (1) The building sustains direct (a) Coverage for Loss to the physical damage that is Undamaged Portion of the covered under this Additional Building Coverage and such damage With respect to the building that results in enforcement of the has sustained covered direct ordinance or law; or physical damage, we will pay for (ii) The building sustains both the loss in value of the direct physical damage that is undamaged portion of the building covered under this policy and as a consequence of enforcement 391 - 1003 06 09 Includes copyrighted material of Insurance Services Page 13 of 66 17,957 Office, Inc. with its permission