<p>This insurance as herein defined subject to the Special Conditions hereinafter contained extends to include loss or damage directly caused by Typhoon, Windstorm, Storm, Hailstorm, Tornado, Cyclone, Hurricane, Tempest, Gale, Thunderstorm And/Or Atmospheric Disturbance</p>

<p>DEFINITION:</p>

<p>The term &ldquo;Typhoon&rdquo; as used in this endorsement shall be understood to mean a Typhoon, Windstorm, Storm, Hailstorm, Tornado, Cyclone, Hurricane, Tempest, Gale, Thunderstorm And/Or Atmospheric Disturbance as recorded by the Weather Bureau.</p>

<p>SPECIAL CONDITIONS</p>

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

<p>2.Unless liability is specifically assumed by amendment of this endorsement, the Company shall not be liable for loss or damage to buildings in the course of construction or reconstruction for their contents) unless entirely enclosed and under roof with all outside doors and windows permanently in place, or properly contained in any portion of any building described in this policy not completely enclosed and roofed.</p>

<p>3.The Company shall not be liable for:</p>

<p>a)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 caused directly or indirectly by backing up of sewers, drains, canals creeks, rivers and/or storm drainage system.</p>

<p>b)Loss or damage caused directly or indirectly by landslide, subsidence, cloudburst or explosion, whether incidental to Typhoon or by theft whether occurring during or after a Typhoon or by the neglect of the Insured to use all reasonable means to save and preserve the property during and after a Typhoon.</p>

<p>c)Loss or damage caused by rain whether driven by wind or not, unless the building insured or containing the property insured shall first sustain an actual damage to roof or walls by the direct force of a Typhoon and shall then be liable for such loss or damage to the building or insured property therein as may be caused by rain entering the building through openings in the roof or walls made by direct action of such Typhoon.</p>

<p>d)Water damage as a result of doors windows, transoms or roof lights being left open, notwithstanding the existence or presence of Typhoon.</p>

<p>e)Loss or damage to any buildings, or the contents thereof, if on the happening of such loss or damage the building was already in a damaged, defective, fallen or displaced conditions as regards foundations, walls, ceiling, roofs, roof gutters and flushing, roof lights, air vents, doors, windows and transoms.</p>

<p>f)Loss or damage occasioned by or through or in consequence of the action or order of any government or public authority.</p>

<p>4.IT IS UNDERSTOOD AND AGREED THAT the Insured shall bear the Deductible stated in the Schedule for each claim or series of claims arising out of any one Typhoon occurrence the duration and extent of which shall be limited to 72 consecutive hours.</p>

<p>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>a)Each building, including machinery, equipment and fixtures normal to its operation;<br />
b)All machinery and equipment contained in each building;<br />
c)All stocks in trade &nbsp;raw materials, work-in-process, supplies and finished goods), contained in each building; and<br />
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 understood and agreed that in the computation of the claims payable, Average Clause of this policy shall apply after the application of the deductible provided herein.</p>
