Liberty Commercial Premises insurance (Castellano)
A.1. Material damage or losses sustained by the building and / or contents
5. Flooding
Material damages directly caused by flooding or the accidental diversion of the natural course of running water, such as canals, irrigation ditches, streams, watercourses, drains and other similar channels or pipes.
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 directly caused by the action of river water, even when its current is broken as it bursts its normal banks due to the movement of the tides and, in general, seawater, as well as when it is caused by broken dams or breakwaters.
b. The costs incurred to repair or unlock drains or other similar pipes.
c. 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 they items had been located above the aforementioned height.
d. Damages produced when the insured business is closed or without surveillance for more than 30 consecutive days.
e. 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