| Optional Coverages PALAPA ROOF/PATIO POOL COVERAGE UP TO $4,500 SPECIAL STRUCTURES 1. Fixed installations on the open air, or open buildings such as: a.- Metal Chimneys; b.- Windmills and air-driven pumps; c.- Cooling towers; d.- Steel towers and transmission antennae; e.- Receiving antennae; f.- Holding tanks, cisterns and liquid deposits and their contents; g.- Electric substations; h.- Signs; i.- Sports installations; j.- Metereological stations; k.- Swimming pools; l.- Awnings and curtains; n.- Gardens and decorative constructions; 0.- Roads, paved streets, sidewalks or patios belonging to the insured; p.- Fixed garden furniture; q.- Docks and piers; v.- Walls. 2. Any buildings that because of their nature they have no windows, doors or complete solid walls, when said building have been designed and built to withstand these circumstances, and /or buildings under construction. ACCIDENTAL GLASS BREAKAGE Any and all glasses correctly installed in the Insured building, and the cost of their installation, will be covered against accidental breakage, without exceeding the Insured amount specified by the policy. Other glasses that are part of the contents such as mirrors, table covers etc., will also be covered. ELECTRONIC EQUIPMENT AND APPLIANCES a.- Ignorance, carelessness or sabotage caused by strangers or the Insured’s domestic personnel. b.- Direct action of electric currents such as short – circuits, voltaic arches and other similar effects, as well as indirect damage caused by atmospheric electricity. c.- Inherent defects during construction, or use of defective materials. d.- Inherent defects in labor or mounting. e.- Breaking due to centrifuge forces. f.- Strange objects introduced in the Insured property. g.- Explosion of the Insured property, understanding by explosion the breaking or cracking of the property, or expansion of the fluids contained by the same that cause a sudden balance between the internal and external pressures. h.- Other damages caused to the Insured property, except for those described in Clause 1 of the Policy and applicable to all Sections, “Excluded hazards”, and “Excluded Property and hazards” of this Coverage. SPECIAL AGREEMENT ITEMS Property inside refrigerators, due to temperature changes. Injuries or death of animals due to heat, fire or lightning. Gold or silver ingots, jewelry or loose gems. Art or rare objects with a unit or set value higher than the equivalent of more than 600 days of the Minimum Daily Salary paid in Mexico City at the moment the policy was bought. Manuscripts, blue prints, drawings, models, dice and software. Any damaged property, concerning retrieval of debris expenses. Workers Compensation for accidents while at work of the Insured’s domestic employees. a.- Public and legal liability for damages to a property that the Insured leased partially or totally, to be used as a dwelling, because of fire and/or explosion, as long as these damages are his responsibility. b.- Liability derived from losses during study, vacation or pleasure trips outside Mexico. If this coverage is purchased, the Insured will always be responsible for 20% of each claim. c.- Liability caused by constructions, enlargements or demolitions. d.- Damages caused to someone else’s property, when under the custody and control of the Insured, by agreement or by legal mandate. e.- Workers compensation for accidents while at work of the Insured’s domestic employees. LEGAL ASSISTANCE COVERAGE The Company will render all necessary legal services to the Insured, in case of damages or losses covered by any of the sections of the Policy. These services will be through the lawyer or lawyers appointed by the Company. RENTAL LIABLITY The Lewis and Lewis Exclusive Rental Liability Option extends General Liability coverage for the Insured while the dwelling is rented to third parties. LOSS OF INCOME Damages to foundations, swimming pools, exterior walls and staircases, and any and all construction separated from the Insured building. Contention walls below floor level or independent contention walls. Any and all decorating paintings or murals on the walls of the Insured building. Consequential losses (Consequential loss is understood as a loss of income or profit due to the stoppage or difficulty of operations because of damage caused by the Insured hazards). HOME ASSISTANCE COVERAGE Technical and Personal Assistance |