Download CAUSES OF LOSS

PROPERTY CHOICE
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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
CAUSES OF LOSS - EARTHQUAKE
This endorsement modifies insurance provided under the following:
PROPERTY CHOICE COVERAGE PART
A. COVERED CAUSES OF LOSS
When Causes of Loss – Earthquake is added to
the Property Choice Coverage Part, Covered
Causes of Loss is revised to include for
designated "Scheduled Premises" and applicable
coverages as indicated in the Property Choice
Schedule of Premises and Coverages:
Earthquake, meaning a shaking or trembling of the
earth's crust, caused by underground tectonic
forces resulting in breaking, shifting, rising,
settling, sinking or lateral movement or other
movement.
All earthquake shocks that occur within any 168hour period will be deemed to be a single
Earthquake occurrence. The expiration of this
policy will not reduce the 168-hour period.
B. EXCLUSIONS
1. Earthquake does not apply as a Covered
Cause of Loss to the following Additional
Coverages found in the Property Choice
Specialized Property Insurance Coverage(s)
forms and/or any applicable Business
Interruption Additional Coverages Form:
a. Dependent Properties;
3. This Coverage does not apply to any
"Earthquake" occurrence that began prior to
the inception of this Endorsement.
4. Earthquake coverage as provided by this
endorsement does not apply to the following
Coverage Forms even if these Coverage
Forms are attached to the Property Choice
Coverage Part:
a. Legal Liability - Building Coverage Form,
PC 00 30.
b. Mortgageholders Errors and Omissions
Coverage Form, PC 00 40.
c. 12 Month Business Income and Expense
Coverage Form, PC 00 23.
C. DEDUCTIBLE
We will not pay for loss or damage in any one
occurrence until the total amount of loss or
damage for all coverages exceeds the Deductible
shown in the Property Choice Schedule of
Premises and Coverages or by endorsement. We
will then pay the amount of loss or damage in
excess of the deductible up to the applicable Limit
of Insurance.
D. LIMITS OF INSURANCE
b. Newly Acquired Premises, except as
provided by this endorsement;
The following is added to section C. Limits of
Insurance of the Property Choice Coverage Form
c. Unnamed Premises; or
The most we will pay for loss or damage caused
by any earthquake is:
d. Utility Service Interruption.
2. We will not pay for loss or damage caused by,
resulting from, arising out of, or in any way
related to:
a. Flood; or
b. The release of water impounded by a
dam, levee, dike or flood control device,
that ensues from an earthquake occurrence.
1. The Policy Year limit as shown in the Property
Choice Schedule of Premises and Coverages
for all losses occurring in any one year
commencing with the inception or anniversary
date of this coverage form, whichever is less.
2. The Limit of Insurance applicable to
earthquake is the most we will pay under this
Form PC 10 20 01 09
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© 2009, The Hartford
endorsement even if the loss involves more
than one coverage. Amounts payable under
any Additional Coverage except for Newly
Acquired Property, contained in this
endorsement do not increase that limit of
insurance.
3. The most we will pay for loss or damage for
Newly Acquired Premises under this
endorsement is $250,000 in any one Policy
Year.
a. This policy expires;
b. 180 days expire after you acquire the
property;
c. You report values to us; or
d. The property is more specifically insured.
We will charge you additional premium for
values reported from the date you acquire the
property.
Insurance for each newly acquired premises
you acquire by purchase or lease will end
when any of the following first occurs:
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Form PC 10 20 01 09