SGI CANADA Policy Booklet - Your Easy Read Special Coverages

) dwellings or outbuildings that have been placarded or condemnedby any authority or belongings contained therein.s) loss or damage to dwellings, outbuildings or belongingscontained therein, while being moved, while being raised off orlowered onto its foundation.t) loss or damage resulting from a change in ownership of propertythat is agreed to, even if that change was brought about bytrickery or fraud.u) loss or damage resulting from contamination or pollution, or therelease, discharge or dispersal of contaminants or pollutants.v) loss or damage caused directly or indirectly, in whole or in part,by terrorism or by any activity or decision of a governmentagency or other entity to prevent, respond to or terminateterrorism regardless of any other cause or event that contributesconcurrently or in any sequence to the loss or damage, but youare still insured for ensuing loss or damage which results directlyfrom fire or explosion.w) i) loss or damage to data, orii) loss or damage caused directly or indirectly by a dataproblem. However, if loss or damage caused by a dataproblem results in the occurrence of further loss of or damageto property insured that is directly caused by fire, explosion,smoke or water damage, this exclusion shall not apply tosuch resulting loss or damage.x) i) loss or damage caused directly or indirectly, in whole or inpart, by any fungi or spores.ii) the cost or expense for any testing, monitoring, evaluating orassessing of fungi or spores.Fungi means, but is not limited to, any form or type of mould,yeast, mushroom or mildew whether or not allergenic,pathogenic or toxigenic, and any substance, vapour or gasproduced by, emitted from or arising out of any fungi orspore(s) or resultant mycotoxins, allergens, or pathogens.Spore(s) means, but is not limited to, any reproductiveparticle or microscopic fragment produced by, emitted fromor arising out of any fungi.y) loss or damage caused directly or indirectly by any illegal orunauthorized activity related to and including the growing,harvesting, manufacturing, processing, storing, sale or distributionof any drug or narcotic or the possession of any substances oritems of any kind which constitutes a criminal offence, to anydwellings, outbuildings or belongings contained therein, whether ornot you have knowledge of or are able or unable to control suchillegal activity. This includes any alteration of the premises tofacilitate such illegal activity.z) loss or damage to any outdoor hot water heating unit(s) on thepremises, including the structure or enclosure housing the unit(s),and all contents of the same structure if caused by or resultingfrom the use of the heating unit.aa) Wind turbine systems including all related equipment andstructures manufactured for a rated power generation exceeding1 kw.C. General ConditionsThe following general conditions apply to this policy:1) We will not cover people who were holding, storing, ortransporting your insured property for a fee at the time of loss.2) After we pay for your claim, we may find that someone else islegally responsible for your loss. We have the right to get ourpayment back from that person. If we ask, you must co-operatewith us in any legal action we take at our expense and through our20