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WHAT MUST BE DONE IN CASE OF LOSS RELATED TO FIRE AND/OR PROPERTY
LOSS
1.
Notice -
You must promptly notify us or our agent (in writing, if requested).
You must notify the police if the
loss is a result of a violation of a law.
2.
Protect Property -
You must take all reasonable steps to protect the covered property from further
damage.
3.
Right of Recovery -
We are not liable for a loss if you do anything after the loss occurs to impair our right to recover, except for
waivers permitted in the Other Property Coverage Conditions.
If
we make a payment under this
coverage, we may require that you
assign to us your right of recovery
against any person for the loss to the extent of the payment for the loss.
You must do everything necessary to
make this assignment and secure our rights.
4.
Proof of Loss -
You must send us a statement of loss (under oath, if requested) within 60 days after
the loss. This must include the following information:
a.
the time, place and circumstances of the loss;
b.
other policies of insurance that may cover the loss;
c.
your interest and the interests of all others in the property involved, including all
mortgages and liens;
d.
changes in title or occupancy of the property covered during the Policy Period;
e.
detailed estimates for repair or replacement of covered property;
f.
available plans and specifications of buildings or structures;
g.
detailed estimates of any covered loss of income and expenses; and
h.
if requested, an inventory of damaged covered personal property showing in detail the
quantity, description, cost and amount of the loss.
You must attach to the inventory
copies of all bills' receipts and related documents that substantiate the
inventory.
5.
Examination - Any insured must
submit to examination under oath in matters connected with the loss as often as
we reasonably request and give us
sworn statements of the answers. If more than one person is examined,
we have the right to examine and
receive statements separately and not in the presence of the others.
6.
Records -
You must produce records, including tax returns and bank microfilms of all cancelled
checks, relating to value, loss and expense and permit copies and extracts to be
made of them as often as we reasonably request.
7.
Damaged Property - You must exhibit the
damaged property as often as we reasonably request.
8.
Volunteer Payments -
You must not, except at your own expense, voluntarily make any payments, assume any
obligations, pay or offer any rewards, or incur any other expenses except as
respects protecting property from further damage.
9.
Abandonment of
Property -
We do not have to accept any abandonment of property.
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WHAT YOU MUST DO IN CASE OF LOSS
RELATED TO TRIP & FALL, FOOD POISONING, AND ANY INJURIES
1.
Notice
a.
In case of an
occurrence or if
you
become aware of anything that indicates there might be a claim under this
policy,
you must give
us or
our agent notice (in writing if requested)
as soon as practicable
b.
The notice to
us must state:
1)your name, policy number and the time,
place and circumstance of the occurrence and
2)names and addresses of
any potential claimants and witnesses.
2.
Cooperation-You must cooperate with
us in performing all acts required by this policy.
3.
Volunteer
Payments-You must not, except at
your own cost, voluntarily make
any payments, assume any obligations, or incur any other expenses except first
aid to others at the time of
bodily injury.
4.
Additional
Duties
Bodily Injury and/or
Property Damage
Coverages- In the event of an
occurrence which might result in a
claim for
bodily injury and/or
property damage liability under
this policy,
you must also do the following:
a.
promptly forward to
us copies of all notices, demands, or
legal papers received in connection with the
occurrence and
b.
at
our request assist in
1)making settlements;
2)the conduct of suits
including attending trials and hearings;
3)enforcing any right of
contribution or indemnification against any party who may be liable to any
insured for the injury or damage;
4)securing and giving
evidence; and
5)obtaining the attendance
of witnesses
5.
Medical Reports: Proof and Payment of Claim.
As soon as practicable, the injured person or someone on his/her behalf shall
give to us written proof of claim, under oath if
required, and shall, after each request from
us,
execute authorization to enable
us to obtain medical reports and
copies of records. The injured person shall submit to physical examination by
physicians selected by
us when and as often as
we
may reasonably require.
We may pay the injured person or
any person or organization rendering the services and the payment shall reduce
the amount payable for such injury. Payment shall not constitute an admission of
liability by any person or by
us.
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