<p>It is hereby declared and agreed that notwithstanding anything contained herein to the contrary, the insurance under this policy is extended toinclude loss or damage caused by:</p>

<p>1. Accidental discharge, leakage or overflow of water/steam from plumbing, septic tanks, headling systems, elevated and/or underground tanks and cylinders, bursting or overflowing of water tanks, apparatus or pipes, standpipes for fire hose, domestic appliances, refrigerating system, air-conditioning systems and rain admitted directly to the interior of the building through defective roots, leaders of spouting or any open or defective windows, show windows, doors, transoms, ventilations of skylights.<br />
2. Breakage of or leakage from street water supply mains or fire hydrants; and<br />
3. Accidental discharge or leakage of refrigerants from air-conditioning or refrigeration systems.</p>

<p>PROVIDED THAT;<br />
a. The insured undertakes to exercise all ordinary and reasonable precautions for the maintenance and safety of the property;<br />
b. The Insured shall bear a minimum deductible of P20,000.00 as stated in the schedule, for each and every claim under this endorsement in addition to other deductible that may be applicable under the policy;<br />
c. All conditions of this policy shall apply, except in so far as they may be hereby expressly varied and that reference to loss or damage by fire shall be deemed to apply also to loss or damage as aforementioned: and<br />
d. The liability of the company under this endorsement shall in no case exceed the sum insured by each item of the policy.<br />
e. This endorsement does not cover the following;<br />
&nbsp;&nbsp; &nbsp;i. &nbsp;Damage to plumbing, septic tanks, heating systems, elevated and/or underground tanks and cylinders, standpipes for fire hose, industrial and&nbsp; domestic appliances, refrigerating system, air-conditioning system from which the accidental discharge, leakage or overflow of water/steam emanated.<br />
&nbsp;&nbsp; &nbsp;ii. Loss or damage by water discharge or leading from any automatic sprinkler installation within the described buildings.</p>
