<p style="text-align:justify">It is hereby declared and agreed notwithstanding anything contained herein to the contrary, this Insurance covers fire loss or damage occasioned by or through spontaneous combustions and/or self heating.&nbsp; It is further&nbsp; declared and agreed that this Clause shall not extend to include self-heating unless actual combustion occurs, and it shall be the Insured&rsquo;s responsibility to prove by independent scientific analysis that actual combustion has occurred.&nbsp; In such a case the Insurer&rsquo;s liability shall be limited to only those stocks directly damaged by actual combustion.</p>
