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PROPERTY COVERAGE DEFINITIONS FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE REFER TO THE POLICY DOCUMENT SPECIAL CAUSES OF LOSS COVERAGE This coverage will protect covered property against direct loss arising from any cause not specifically excluded. The advantage of this form is that the insurance company must prove that a loss is specifically excluded in order to deny coverage under the policy. REPLACEMENT COST VALUATION This loss valuation method pays for the cost to repair or replace damaged items with like kind and quality without deduction for depreciation. This is important since you could face a substantial loss if you must replace property at today's prices but receive only the depreciated value of the property that was destroyed. ACTUAL CASH VALUE VALUATION This valuation method pays for the cost to repair or replace damaged property with like kind and quality, less reasonable deductions for wear and tear, deterioration and economic obsolescence. BUSINESS INCOME This coverage is used to insure against loss of income (including any continuing normal operating expenses) that you experience because of a suspension of your business and/or interruption of rental income when insured property has been damaged by a covered peril. EXTRA EXPENSE COVERAGE This coverage pays for the necessary additional expenses needed to continue business when a covered loss damages or destroys insured property. DEDUCTIBLE A policy may include a deductible in its provisions. This limit specifies the amount that will be deducted from any payment made to you because of a covered loss. SERVICE INTERRUPTION COVERAGE This coverage extends your business income and extra expense insurance to protect against loss when due to the interruption of services rendered to you by a specified utility that provides your business with water, power or communications. Loss due to overhead transmission lines' is excluded. DEMOLITION, ORDINANCE, AND INCREASED COST OF CONSTRUCTION This endorsement provides coverage for the costs and effects due to certain building laws. Coverage A applies when laws require that undamaged portions of a building be tom down because the building does not comply with current laws and has sustained more than a certain percentage of insured damage. Coverage B applies to the costs for demolition of the undamaged portion of the building covered under Coverage A. Coverage C covers the increased cost of construction required to bring a damaged building up to current code. MECHANICAL & ELECTRICAL BREAKDOWN COVERAGE Boiler & Machinery insurance covers direct damage to "covered property" when caused by sudden and accidental BREAKDOWN and includes as a covered peril Electrical Arcing. Covered Property means any mechanical, electrical or boiler equipment on premises, such as (but not limited to): machinery & equipment, air-conditioning units, elevators, phone systems etc. Brown & BrouJA of Florida, Inc.