SGI CANADA Policy Booklet - Your Easy Read Special Coverages

amount we pay adds to your total amount of protection.Tear OutWe will pay to remove and replace or repair parts of your dwelling orpremises if that is necessary to repair rupture damage to plumbing,heating, fire sprinkler, or air conditioning systems. Such rupture damagemust be covered by this policy in order to have this coverage.We will not pay the cost of tearing out and replacing or repairing propertyfor damage related to swimming pools, hot tubs, or similar installations,public watermains, or sewers.There is no deductible for this added coverage.Temperature ChangeIf there is a failure of any system in your dwelling or outbuildings thatmaintains an artificial temperature, such as your furnace or freezer, we willpay for the loss or damage to your belongings that is caused by theresulting change in temperature. The belongings must be in a building.Under Cover Code A or Cover Code B, this failure must be due to a perilfor which your belongings are insured by this policy.Theft and Theft-Related DamageIf not covered elsewhere in this policy, you may use up to $1,000 to payfor theft related damage to your dwelling or outbuildings, but yourbelongings must be insured for the peril of theft. The damage must becaused by theft or attempted theft of your belongings.Optional Coverages:Your Cover Page will show which of the following optional coveragesapply to your policy.Guaranteed Replacement Cost — Seasonal DwellingIf your Cover Page shows that you have this coverage, we will pay torepair or replace your seasonal dwelling at today’s prices with material ofsimilar kind and quality. We will do this even if the cost is more than theamount of protection shown on your Cover Page. We will not pay forincreased costs due to any law or by-law dealing with building or repair.We will not pay for any increased costs due to unnecessary delays onyour part.After a loss, you must do three things to get this coverage:— you must rebuild your seasonal dwelling on a permanent foundationat the same site;— you must rebuild your seasonal dwelling within a reasonable time.We will not pay for increased costs due to unnecessary delays onyour part;— you must re-occupy that location as a seasonal dwelling.You must tell us if you are making changes to your seasonaldwelling that will increase its total replacement cost by $10,000 ormore. For example, when you add an addition to or renovate yourseasonal dwelling. You must pay an additional premium for this increasein value. You must tell us within 90 days of the date when work started. Ifyou do not, we will pay no more than the amount of protection shown onyour Cover Page. The basis of settlement will apply as if this coveragehad not been in effect, as outlined under Settling a Claim – Dwelling andOutbuildings. We will increase this amount as a result of InflationProtection Factor.Voluntary Fire Fighting CoverageIf your Cover Page shows that you have this coverage, we will pay up tothe amount of protection shown to a fire department for its services. Theservices must deal with a fire loss for which your dwelling, outbuildings, orbelongings are covered or they must be needed to protect your propertyor property of others adjacent to your premises, from such a loss.6