Liberty Commercial Premises insurance (Castellano)
A.1. Material damage or losses sustained by the building and / or contents
4. Natural phenomena
Material damages directly caused by the action of rain, storms, hail, snow, wind and hurricanes, are guaranteed providing the damage caused by these risks may not be considered as extraordinary damage in accordance with current legislation and they occur abnormally. Abnormal shall be deemed to mean:
- In terms of rain and storms, when rainfall of over 40 litres per square meter in the hour is registered.
- In the case of wind, when winds of over 96 kilometres per hour are registered.
- Hail, snow and hurricanes of any intensity.
The abnormal nature of these atmospheric phenomena shall primarily be verified in the reports issued by the relevant official bodies or, in their absence, through convincing evidence provided by the insured, which shall be assessed by the loss adjusters. In the event of disagreement, the expert procedure set forth in the policy's general conditions shall be followed.
The limit on the indemnity for this guarantee shall be 100% of the insured sum for building and / or contents.
THE FOLLOWING IS NOT COVERED:
a. Damages in the form of leaks, filtered water, rust or damp spots.
b. Damage when doors, windows or other openings were not closed or when their closure was faulty.
c. The costs incurred to repair or unblock drains or other similar pipes.
d. Damages resulting from frosts, cold, ice, waves or tides, even when those phenomena have been caused by the wind.
e. Damages caused to items located less than 10 cm from the floor, providing that they could have been stored on shelves, in pallets or in other similar places, unless such damage would have occurred even if the items had been located above the aforementioned height.
f. Damages caused as a result of building and repair work on the insured business.
g. Damages produced when the business insured is closed or without surveillance for more than 30 consecutive days.
h. Damages to goods that are stored outdoors, even when they are protected by waterproof or other similar material.
A.2. Expenses and losses associated with material damages
4. Risks excluded from all guarantees