<p>It is hereby declared and agreed, that this policy extends to cover loss or damage to property occasioned by or in consequence of Windstorm or Tornado. The term Tornado as used in this endorsement shall mean violently rotating winds having the appearance of a funnel-shaped cloud; on the other hand, Windstorm is a storm with high winds but little or no rain, strong enough to damage property.<br />
Hailstorm is a storm with rain showers of small balls of ice and/or hardened snow.</p>

<p>1. It is a condition of this insurance that the Insured undertakes to exercise all ordinary and reasonable precaution for the maintenance and safety of the property.</p>

<p>2. The Insurers(s) shall not be liable for:</p>

<p>a. loss or damage to building in the course of construction or reconstruction (or their contents) unless entirely enclosed and under roof with all outside doors and windows permanently in place, or property contained in any portion of the building described in this policy not completely enclosed and roofed.</p>

<p>b. Loss or damage caused directly or indirectly by flood, tidal wave, high water or overflow whether driven by wind or not. The company shall not be liable for loss and/or damage cause directly or indirectly by backing up of sewers, drains, canals, creeks, rivers and/or storm drainage system.</p>

<p>c. Loss or damage caused directly or indirectly by landslide, subsidence, cloudburst or explosion, whether incidental to windstorm or tornado or by neglect of the Insured to use all reasonable means to save and preserve the property during tornado</p>

<p>d. Loss or damage caused by rain whether driven by wind, or not unless the building Insured or containing the&nbsp;property shall first sustain an actual damage to roof or walls by the direct force of such windstorm or tornado and the company shall then be liable for such loss or damage to the building Insured or contained the property Insured therein as may be cause by rain entering the building through openings in the roof or in walls made by direct action of such windstorm or tornado.</p>

<p>e. Water damage as a result of doors, windows or roof lights being left open notwithstanding the existence or presence of such windstorm or tornado</p>

<p>f. Loss or damage to any building or the contents thereof, or on the happening of such loss or damage, when the building was already in a damaged, defective, fallen or displaced condition as regards foundation, walls, ceiling, guttering or roof lights.</p>

<p>3. It is understood and agreed that the Insured shall bear that portion of the loss or damage caused by windstorm. hail or tornado, to each affected item of Insured property equivalent to 2% of its actual value at the time of loss, for each claim or series of claims arising out of any occurrence the duration and extent of which shall be limited to 168 consecutive hours. For the purpose of this clause, the following shall be considered as separate items of Insured property, regardless of what is indicated in the policy schedule.</p>

<p>&nbsp;&nbsp;&nbsp;a. Each building, including machinery, equipment and fixtures normal to its operation<br />
&nbsp;&nbsp;&nbsp;b. All machinery and equipment contained in each building<br />
&nbsp;&nbsp;&nbsp;c. All stocks in trade (raw materials, work-in process, supplies and finished goods) contained in each building<br />
&nbsp;&nbsp;&nbsp;d. All other contents contained in each building</p>

<p>In case of other insurances on the same item of property, this clause shall apply only once regardless of the number of policies or Insurers.</p>

<p>It is further declared and agreed that in the computation of the claims payable, Condition No. 20 (Average Clause) of this policy shall apply after the application of the deductible provided herein.</p>

<p>Nothing herein contained shall be held to vary, alter, waive or change any of the terms, limitations or conditions. clauses on the policy, except as may be expressly varied.</p>
