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Form SP 00 00 10 18 Page 5 of 19
<br />© 2018, The Hartford
<br />(May include copyrighted material of Insurance Services Office, Inc., with its permission)
<br />(a)Government or sovereign power (including quasi and de facto forms),or by any authority maintaining
<br />or using military, naval or air forces;
<br />(b)Military, naval or air forces; or
<br />(c)An agent of such government, power, authority or forces.
<br />(3)Invasion,insurrection,rebellion,revolution,usurped power,or action taken by governmental authority in
<br />hindering,combating or defending against such actual or expected event by any government,power,
<br />authority, forces or agents described in Paragraphs (2)(a) through (2)(c) above.
<br />f.Water
<br />(1)Flood,surface water,waves (including tidal waves and tsunami),tides,tidal water,overflow of streams or
<br />any other natural or man-made bodies of water,or spray from any of these,all whether or not driven by
<br />wind (including storm surge);
<br />(2)Mudslide or mudflow;
<br />(3)Water or sewage that backs up or overflows or is otherwise discharged from a sewer,drain,sump,sump
<br />pump or related equipment;
<br />(4)Water under the ground surface pressing on, or flowing or seeping through:
<br />(a)Foundations, walls, floors or paved surfaces;
<br />(b)Basements, whether paved or not; or
<br />(c)Doors, windows or other openings;
<br />(5)Waterborne material carried or otherwise moved by any of the water referred to in Paragraphs (1),(3)or
<br />(4), or material carried or otherwise moved by mudslide or mudflow.
<br />But if any of the above in Paragraphs (1)through (5),results in fire,explosion or sprinkler leakage damage to
<br />Covered Property,we will pay for the direct physical loss or direct physical damage caused by that fire,
<br />explosion or sprinkler leakage.
<br />(6)Water damage caused by or resulting from earthquake or volcanic eruption as described in Exclusion
<br />1.a., Earth Movement.
<br />This Exclusion applies regardless of whether any of the above,in Paragraphs (1)through (6),is caused by an
<br />act of nature or by an artificial, man-made or other cause.
<br />g.“Fungi”, Wet Rot or Dry Rot
<br />Presence, growth, proliferation, spread or any activity of “fungi”, wet rot or dry rot.
<br />But if “fungi”,wet rot or dry rot results in a “specified cause of loss”to Covered Property,we will pay for the
<br />loss or damage caused by the “specified cause of loss”.
<br />This exclusion does not apply when “fungi”, wet rot or dry rot results from fire or lightning.
<br />h.Virus or Bacteria
<br />(1)Any virus,bacterium or other microorganism that induces or is capable of inducing physical distress,
<br />illness or disease.
<br />(2)With respect to any loss or damage subject to the exclusion in Paragraph (1)above,such exclusion
<br />supersedes any exclusion relating to “pollutants and contaminants”.
<br />i.Ordinance Or Law
<br />(1)The enforcement of or compliance with any ordinance or law:
<br />(a)Regulating the construction, use or repair of any property; or
<br />(b)Requiring the tearing down of any property, including the cost of removing its debris.
<br />(2)This exclusion applies whether the loss results from:
<br />(a)An ordinance or law that is enforced even if the property has not been damaged; or
<br />(b)The increased costs incurred to comply with an ordinance or law in the course of construction,repair,
<br />renovation,remodeling or demolition of property or removal of its debris,following a physical loss to
<br />that property.
<br />Docusign Envelope ID: 9DF92A24-B534-85BA-8088-342315DF1839
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