propertyinsuranceclauses  wholedoc. i.thepropertyinsuredthepropertyinsuredshallrefertoallpropertiesand expenses spe-cifiedinthescheduleofthispolicy.   unlessspecificallyagreeduponinwritingbetweentheinsuredandthecompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticlesandtheexpenses relevant thereto shall not becoveredunderthispolicy:   1.gold,silver,pearls,diamonds,preciousstonesandjades;   2.antiques,articlesofvirtue, ancient coins, ancient books andancientpaintings;   3.worksofartorpostagestamps;   4.advertisements,aerials,neon,piecesofsolarenergyapparatusetc.onbuildings;   5.computersystemrecordsoritsmakingandcopyingcosts.   undernocirc umstancesshallthefollowingarticles relevant theretobecoveredhereunder:   1.guns,ammunitionorexplosives;   2.banknotes,securities,bills,documents,files, account books ordrawings;   3.animals,plantsandagriculturalcrops;   4.mobilephones,portablecomputers,removable photograph apparatusorotherpreciousarticles;   5.vehicleslicensedforgeneraltransportuse.  ii.scopeofcoverthecompanyshallindemnifytheinsuredin respect of the physicallossofordamagetotheinsuredpropertystatedin the schedule duringtheperiodofinsurancedirectlyarisingfromthefollowingperils:   1.fire;   2.explosion;   butnotincludingexplosionof a boiler or other pressure reliefdevices;   3.lightning;   4.hurr icane,typhoonandtornado;   5.storm,tempestandflood;   butnotincludinglossordamagecaused by change in normal waterlevelorinundationfromseawaterorwaterescape or leakage from thenormalconfinesofanynaturalwatercourse,lakeorreservoir, canal ordamaswellaslossofordamagetotheinsuredpropertycausedby storm,tempestorfloodwhilebeingstoredintheopenorcoveredbyor under ashedthatchedwithreeds,tarpaulins, straw, asphalt felt, plastic ornylonsheet;   6.hailstorm;   7.landslide,rockslide,avalanche;   8.volcanicexplosion;   9.subsidenceofground;   but not including loss or damage resulting from pile driving,groundworkorexcavation;   10.crashingaircraftandpartsorarticlesfallingfromaircraft andotherflyingobjects;   11.burstingofwate rtankorpipe;   butnotincludingburstingofwatertankorpipeduetorust.  iii.exclusionsthiscompanyshallnotbeliablefor:   1.lossofordamagetotheinsuredproperty or expenses caused byintentionalactorgrossnegligenceoftheinsuredorhisrepresentative;   2.lossofordamageto the insured property caused and expensesincurredbyearthquakeortsunami;   3.depreciation,lossofmarket,lossofuseand other consequentiallossesofanydescription;   4.lossofordamagetothe insured property or expenses incurredarising from war, warlike operation, hostilities, armed  conflicts,terrorism,conspiracyinsurrection,coupd'etat,strike,riot, and civilcommotion;   5.confiscation,requisition,destructionordamagebyany action or orderofanygovernmentdejureordefactoorbyanypublicauthorities;   6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion, nuclear weapon,nuclearmaterial,nuclearradiationandradioactivecontamination;   7.lossordamagecausedandexpensesincurred by pollution of anykind or description whatsoever such as atmosphere, land and waterpollutionsbutthisdoesnotincludelossordamage caused by pollutionarisingfromperilsspecifiedinarticleiithepolicy;   8.thedeductiblesstatedinthescheduletobebornebytheinsured;   9.lossordamagearisingfromanyotherperilsnotlistedin articleiiofthispolicy.  iv.treatmentofclaim1.thecompanyshallatitsoption,indemnifytheinsured in respectoflossordamagefallingwithinthescope of cove r of the policy byeither:   1.1payingtheamountoftheactualvalue of the property lost ordamagedor;   1.2payingthenecessarycostofrepairingor restoring the damagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor;   1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality.   2.indemnityunderthispolicyshallbebasedupon the sound marketvalueofthepropertyprevailingatthetimeofloss.ifthesound marketvalueofthedamagedpropertyis lower than the sum insured of suchproperty,theclaimshallbesettledonitsmarket value; if the soundmarketvalueofthepropertyisinexcessofthesuminsured,the companyshallonlybeliableforsuchproportionoftheclaimasthe sum insuredofthedamagedpropertybearstoitssoundmarketvalue. if the insuredpropertyenumeratedinthesched uleismorethanoneitem, the provisionofthisclauseshallapplytoeachthereof.   3.ifaclaimforlossofordamagetotheinsureditemissettled onatotallossbasis,thesalvagevalueofsuchitemshallbededucted fromtheindemnitypayablebythecompany.the company may, at its option,declinetheabandonmentofanydamagedpropertybytheinsured.   4.intheeventoflossofordamageto any equipment item insuredformingpartofapairorset,thecompanyshallnotbeliablein respectofeachofsuchitemlostordamagedformorethanitsproportionate partofthesuminsuredonthecompletepairorset.   5.intheeventofanylossoccurrence,thecompanyshallalsopaytheinsuredfortheexpensesreasonablyincurredfortakingnecessarymeasurestominimizelossordamagetotheleastextent,butinnocaseshall suchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.   6.uponsettlementofaclaim,anendorsementshallbeissued by thecompanytoreducet hesuminsuredcorrespondingtothe property lost ordamagedbytheamountsosettledfromthedateof loss, and no premiumshallberefundedfortheamountsoreduced.ifreinstatementof the suminsuredisrequiredbythe insured upon settlement of the claim, anadditionalpremiumforthereinstatedamountshallbechargedatanagreedrate,andbecalculatedonproratadailybasisfromthedateof loss totheexpiryoftheinsurance.   7.thetimeofvalidityofaclaim under this insurance shall notexceedaperiodoftwoyearcountingfromthedateofloss.  v.insured'sobligationsthefollowingobligationsshallbestrictlyfulfilledby the insuredandhisrepresentative:   1.theinsuredandhisrepresentative, when applying for insuranceshallmaketrueanswersordescriptionstothequestionsin the proposalandquestion naireortoanyotherquestionsraisedbythecompany.   2.theinsuredandhisrepresentativeshallpaytothecompanyin duecoursetheagreedpremiuminthemannerasprovidedin the schedule andendorsements.   3.duringtheperiodofthisinsurance,theinsuredshallat his ownexpensetake all reasonable precautions, including paying sufficientattentiontoandputtingintopracticethereasonable recommendations ofthecompany,prudentlyselectingtheworkmenandemployees and complyingwithallstatutoryregulationsandsafetyoperationprocedures.   4.intheeventofanyoccurrencewhichgivesormightgiveriseto aclaimunderthispolicy,theinsuredorhisrepresentativeshall:   4.1notifythecompanyimmediatelyandwithinseven(7) days or anyfurtherperiodasmaybeagreedby the company in writing, furnish awrittenreporttoindicatethecourse,probablereasonandextentof lossordamage    4.2takeallnecessarymeasurestoavoidaggravationof the loss ordamageandminimizeittotheleastextent;4.3 preserve the spot affected and defective parts before aninspectioniscarried out by a representative or surveyor from thecompany;   4.4furnishallsuch information and documentary evidence as thecompanymayrequireforsupportingtheclaim.  vi.generalconditions1.policyeffect   thedueobservanceandfulfilmentofthetermsandconditionsof thispolicyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheinsuredshallbeaconditionprecedenttoanyliabilityofthecompanyunderthispolicy.   2.policyvoidance   thispolicyshallbe voidable in the event of misrepresentation,m sdescriptionornon-disclosuremadebytheinsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.   3.policytermination   unlessitscontinuancebeadmittedbythe company in writing, thispolicyshallbeautomaticallyterminatedif:   3.1theinsurableinterestoftheinsuredislost;   3.2theriskoflossordamageisincreased.   afterterminationofthepolicy,thepremiumshallberefundedto theinsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.   4.policycancellation   thispolicymaybecanceledatanytimeattherequestofthe insuredinwritingorattheoptionofthecompanybygivingafifteen (15) dayspriornoticetotheinsured.intheformercasethecompanyshallretainapremiumcalculatedonshorttermratebasisforthetime the policy hasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.   5.forf eitofbenefit   iftheclaimisinanyrespectfraudulent,orifanyfraudulent meansordevicesareusedbytheinsuredorhis representative to obtain anybenefitunderthispolicyorifanylossordamageis occasioned by theintentionalactorintheconnivanceoftheinsuredorhisrepresentative,theninanyofthesecases,alltherightsand benefits of the insuredunderthispolicyshallbeforfeited,andall consequent losses arisingtherefromincludingtheamountofclaim paid by the company shall beindemnifiedbytheinsured.   6.reasonableinspection   therepresentativeofthe company shall at any suitable time beentitledtoattendthesiteandinspectorexaminetherisk explosure ofthepropertyinsured.forthispurpose,the insured shall provide fullassistanceandalldetailsandinformationrequiredbythecompanyas maybe necessary for  the assessment of the risk. the above mentionedinspectionorexamination shall in no circumstances be held as anyadmissiontotheinsuredbythecompany.   7.doubleinsurance   shouldanyloss,damage,expensesorliabilityrecoverable under thepolicybealsocoveredbyanyotherinsurance,thecompanyshall only beliabletopayorcontributehisproportionoftheclaimirrespectiveastowhethertheotherinsuranceisarrangedbytheinsuredor others on hisbehalf,orwhetheranyindemnification is obtainable under such otherinsurance.8.subrogation   whereathirdpartyshallbeheldresponsiblefortheloss or damagecoveredunderthispolicy,theinsuredshall,whetherbeingindemnifiedbythecompanyornot,takeallnecessarymeasurestoenforceorreserve therightofrecoveryagainstsuchthirdparty,anduponbeingindemnified bythecompany,subrogatetot hecompanyalltherightofrecovery, transferallnecessarydocumentstoandassistthe company in pursuing recoveryfromtheresponsibleparty.   9.dispute   alldisputesunderthisinsurancearisingbetweentheinsuredand thecompanyshallbesettledthrough friendly negotiations. where the twopartiesfailtoreachanagreementafternegotiations,suchdispute shallbesubmitted to arbitration or to court for legal actions. unlessotherwiseagreed,sucharbitrationorlegalactionshallbecarriedoutintheplacewherethedefendantisdomiciled.  vii.specialprovisionsthefollowingprovisionsshallbeappliedtoallpartsofthis policyandshalloverridetheothertermsandconditionsofthis policy if anyconflictarises.  propertyinsurancepolicyp olicyno.:   whereastheinsurednamedinthe schedule hereto has made to the______insurancecompany(hereinafter called ""the company"") a writtenproposalwhichtogetherwithanyotherstatementsmadebytheinsured forthepurposeofthispolicyisdeemedtobe incorporated herein and haspaidtothecompanythepremiumstatedintheschedule.   nowthispolicyofinsurancewitnessesthatsubjecttothe terms andconditionscontainedhereinorendorsedhereonthecompanyshallindemnifytheinsuredfor the loss or damage sustained during the period ofinsurancestated in the schedule in the manner and to the extenthereinafterprovided.by the ________ &nb sp;   insurance company_________________________authorisedsignaturedateofissue:placeofissue:  schedule policyno.:1.nameandaddressoftheinsured  1.1theinsured:  1.2address:2.locationofthepropertyinsured:3.natureoftrade:4.insureditemsandsumsinsured:   insureditemssumsinsured   4.1propertyinsured   4.1.1building(s)(includingdecoration):   4.1.2machineryandequipment:   4.1.3furnitureandfixture:   (includingofficeequipmentandsupplies)   4.1.4stock:   4.1.5others:   4.2additionalexpenses:   4.2.1removalofdebrisfees:   4.2.2fireextinguishingexpenses:   4.2.3professionalfees:    4.2.4otherexpenses:   totalsuminsured:5.deductible(anyoneaccident):6.periodofinsurance:___months.   from00:00of_________to24:00hoursof______7.premiumrate:  totalpremium:8.dateofpayment:9.jurisdiction:   thispolicyisgovernedbylawofthepeople'srepublicofchina.10.specialprovisions:   propertyinsurancepolicy'sschedule_________insurancecompany

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