General Dwelling Protector policy - SGI Canada

Fraud Conviction RewardWe will pay $1,000 for information that leads to a conviction of fraud inconnection with an insured loss to property covered by this policy. Theamount we pay adds to your total amount of protection. The $1,000 limitwill not be increased regardless of the number of persons providinginformation.No deductible applies to this coverage.Increased Living ExpensesWe will pay for an increase in your living expenses. You may use up to10% of your dwelling or belongings insurance to pay for these costs. Thecosts must be due to a cause of loss for which your dwelling orbelongings are covered.If the loss makes your dwelling unlivable, we will pay for your movingcosts. We will pay for a reasonable increase in your cost of living requiredto maintain your normal standard of living. We will not pay expenses forthings that are not needed to support you.We will not pay for any increased costs, due to unnecessary delays onyour part, to fix or replace your dwelling or outbuildings, relocate, or settleyour household.We will give you a reasonable length of time to fix or replace yourdwelling, then we will stop paying.If we cover your dwelling you may use either your dwelling or belongingscoverage to pay for these expenses. You may not use both.We will also pay when a public authority denies you access to yourpremises. We will pay these costs for up to two weeks. The denial can bedue to actual or threatened damage to your dwelling, but it must be dueto a Peril for which your dwelling is insured. If you have comprehensivecoverage, it must be due to a Listed Peril.Inflation Protection FactorTo help protect you in the event of a loss, we will raise the total amount ofprotection on your dwelling, outbuildings, and belongings by a portion ofthe Inflation Protection Factor (IPF) percentage (as shown on the CoverPage) as follows:— 2 months after inception date - 25% of the IPF— 5 months after inception date - 50% of the IPF— 8 months after inception date - 75% of the IPF— 11 months after inception date - 100% of the IPF“Inception” means the effective date of the policy or, if the policy hasbeen in force for more than one year, its last anniversary date. If yourequest a change in the amount of insurance during the policy term, theeffective date of that change will be considered the “inception”, until thenext policy anniversary date. Vacant buildings do not have this addedfeature.Lost Rental IncomeWe will pay for a loss of rental income. We will pay for your actual loss ofrental income for those parts of your dwelling or outbuildings that wererented out when the loss took place. We will pay until you have had areasonable length of time to fix your dwelling or outbuildings. You may useup to 10% of your dwelling amount of protection to pay for these costs.The costs must be due to a Peril for which your dwelling is insured. If youhave Cover Code C, it must be due to a Listed Peril. We will deduct anysavings in expenses, such as electric and water bills, which stop becauseof the loss.We will also pay when a public authority denies you access to yourpremises. We will pay these costs for up to two weeks. The denial can be4