SGI CANADA Special Coverages policy booklet

5) To determine if the amount of protection applicable to such
dwelling(s) is the 80% or more of the actual replacement cost
of such dwelling(s), we shall disregard the cost of excavations,
underground flues and pipes, underground wiring and drains,
brick, stone and concrete foundations, piers and other supports
that are below the surface of the lowest basement floor. In the
event that there is no basement, then those items that are below
the surface of the ground inside the foundation walls, shall be
disregarded.
6) If the policy covers two or more dwellings, this Basis of
Settlement Clause shall apply separately to each dwelling.
(b) Occupancy Clause:
It is a condition of this insurance that the dwelling(s) shall not be
occupied unless you tell us and we show this on the Cover Page.
(c) Arson Conviction Reward:
We will pay $1,000 for information that leads to a conviction for arson
in connection with a fire loss to property insured by this policy. The
amount we pay adds to the total amount of protection. However, the
$1,000 limit will not be increased regardless of the number of persons
providing information.
No deductible applies to this coverage.
(d) Fraud Conviction Reward:
We will pay $1,000 for information that leads to a conviction for fraud
in connection with an insured loss to property covered by this policy.
The amount we pay adds to the total amount of protection. However,
the $1,000 limit will not be increased regardless of the number of
persons providing information.
No deductible applies to this coverage.
(e) Property Protection Coverage:
We will pay for property that is damaged or used trying to protect your
dwelling, outbuildings, or belongings from a loss. For example, we will
pay to recharge a neighbour’s fire extinguisher if it was used to fight
your fire. We will not pay for property owned by a fire department.
The amount we pay adds to your total amount of protection.
(f) Debris Removal:
You may have us pay to remove debris of insured property from your
premises, if your insured property has been damaged or destroyed by
an insured peril.
We will also pay for removal of property of others, excluding trees,
shrubs and plants blown on to your premises by windstorm, if your
insured property is damaged or destroyed by an insured peril.
Debris removal expenses shall not be considered for the purpose of
applying any co-insurance.
Conditions
Parts I – Added Features of Your Part I Coverage, II, III and V(A.) and (B.)
of this booklet do not apply to dwellings under construction.
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