The exact wordings for flood coverage extension on a basic Fire Insurance Policy:
| FLOOD endorsement (applicable to Fire Insurance Policy only) |
| In consideration of an additional premium, the Company agrees that notwithstanding anything stated to the contrary in Condition No. 6 of the Policy, this insurance extends to cover loss or damage directly caused by fire or otherwise occassioned by or through or in consequence of Flood (including overflow of the sea) subject to the following Excess Clause and Special Conditions attached hereto. |
| Note: Flood, for the purpose of this extension, shall mean the overflowing or deviation from their normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originated from outside the building insured or containing the property insured, but excluding loss or damage caused by subsidence or landslip. |
| Provided always that all the Conditions of this Policy shall apply (except in so far as they may be hereby expressly varied) and that any reference therein to loss or damage by fire shall be deemed to apply also to loss or damage directly caused by any of the perils which this insurance extends to include by virtue of this endorsement. |
Excess Clause - It is understood and agreed that as regards loss or damage to any property hereby insured directly caused by the peril to which this Clause is herein before stated to apply, the Company’s liability shall be limited to its rateable proportion of the amount by which such loss or damage exceeds either:
whereby shall be the less, as ascertained after the application of any condition of average. It is further agreed that this Clause shall apply separately to:
|
| SPECIAL CONDITIONS
1. This endorsement (FLOOD) does not extend the insurance under this Policy to cover:- |
| (a) Consequential loss of any kind; (b) Loss or damage caused by hail whether driven by wind or not; (c) Loss or damage caused by subsidence or landslip except when this is occasioned by earthquake or volcanic eruption, provided that these perils are insured against by this Policy; (d) Loss or damage caused by explosion except as provided in Condition 8(h) of the Policy; (e) Loss by reason of any ordinance or law regulating the construction or repair of buildings. 2. The Company shall not be liable under this extension for loss or damage which at the time of the happening of such loss or damage is insured by or would, but for the existence of this extension, be insured by any other existing Policy or Policies except in respect of any excess beyond the amount which would have been payable under such other Policy or Policies had this insurance not been effected. 3. Unless specifically and separately insured this endorsement does not cover Metal smoke stacks, awnings, blinds, signs or other outdoor fixtures or fittings of any description. Subject otherwise to the terms and conditions of the Policy. |
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