Common use of Loss Caused by Change of Temperature Clause in Contracts

Loss Caused by Change of Temperature. Within the limits of insurance shown on the Policy Declarations Page, we will cover any loss or damage to personal property caused by a temperature change after your dwelling or other structure insured under this insurance has been damaged by an insured peril, however this extension does not apply to loss of wine due to climatic conditions including spoilage exceeding $5,000. We must be advised of any before you start any conversion, renovation, extension of other structural work to the residence premises where the estimated cost of such works is more than the amount of $100,000. When we receive this notice we may amend the terms and conditions of this insurance. When any loss is believed to be caused by theft, disappearance or any illegal act of others, you must give immediate notice to the police or other authorities having jurisdiction. You must use all reasonable means to protect the insured property from loss or damage when endangered by an insured peril, and to save and preserve such property during and after the time of loss or damage. (Refer to “1. Removal and Safeguard Expenses” under Extensions of Coverage). No person or organization having custody of any property covered by this insurance, and receiving payment for such services, shall benefit from this insurance.