# BUILDERS RISK COVERAGE FORM

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3 Example No. 1: (This example assumes there is no penalty for underinsurance.) Deductible: \$1,000 Limit of Insurance - Bldg. 1: \$60,000 Limit of Insurance - Bldg. 2: \$80,000 Loss to Bldg. 1: \$60,100 Loss to Bldg. 2: \$90,000 The amount of loss to Bldg. 1 (\$60,100) is less than the sum (\$61,000) of the Limit of Insurance applicable to Bldg. 1 plus the Deductible. The Deductible will be subtracted from the amount of loss in calculating the loss payable for Bldg. 1: \$60,100-1,000 = \$59,100 Loss Payable - Bldg. 1 The Deductible applies once per occurrence therefore is not subtracted in determining the amount of loss payable for Bldg. 2. Loss payable for Bldg. 2 is the Limit of Insurance of \$80,000. Total amount of loss payable: \$59, ,000 = \$139,100 Example No. 2: (This example assumes there is no penalty for underinsurance.) The Deductible Limits of Insurance are the same as those in Example No. 1. Loss to Bldg. 1: \$70,000 (exceeds Limit of Insurance plus Deductible) Loss to Bldg. 2: \$90,000 (exceeds Limit of Insurance plus Deductible) Loss Payable - Bldg. 1: \$60,000 (Limit of Insurance) Loss Payable - Bldg. 2: \$80,000 (Limit of Insurance) Total amount of loss payable: \$140,000 E. LOSS CONDITIONS The following conditions apply in addition to the Common Policy Conditions the Commercial Property Conditions. 1. Abonment There can be no abonment of any property to us. 2. Appraisal If we you disagree on the value of the property or the amount of loss, either may make written dem for an appraisal of the loss. In this event, each party will select a competent impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a. Pay its chosen appraiser; b. Bear the other expenses of the appraisal umpire equally. If there is an appraisal, we will still retain our right to deny the claim. 3. Duties In The Event Of Loss Or Damage a. You must see that the following are done in the event of loss or damage to Covered Property: (1) Notify the police if a law may have been broken. (2) Give us prompt notice of the loss or damage. Include a description of the property involved. (3) As soon as possible, give us a description of how, when where the loss or damage occurred. (4) Take all reasonable steps to protect the Covered Property from further damage, keep a record of your expenses necessary to protect the Covered Property, for consideration in the settlement of the claim. This will not increase the Limit of Insurance. However, we will not pay for any subsequent loss or damage resulting from a cause of loss that is not a Covered Cause of Loss. Also, if feasible, set the damaged property aside in the best possible order for examination. (5) At our request, give us complete inventories of the damaged undamaged property. Include quantities, costs, values amount of loss claimed. (6) As often as may be reasonably required, permit us to inspect the property proving the loss or damage examine your books records. Also permit us to take samples of damaged undamaged property for inspection, testing analysis, permit us to make copies from your books records. (7) Send us a signed, sworn proof of loss containing the information we request to investigate the claim. You must do this within 60 days after our request. We will supply you with the necessary forms. (8) Cooperate with us in the investigation or settlement of the claim. b. We may examine any insured under oath, CP Copyright, ISO Commercial Risk Services, Inc., 1994 Page 3 of 5

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