Property

1. Earthquake

• Earthquake Fire – covers damage due to fire occasioned by the occurrence of an earthquake
• Earthquake Shock – covers damage caused by other than fire occasioned by the occurrence of an earthquake.

2. Typhoon – covers damages attributed or directly caused by the passing of a typhoon or weather condition declared by the Weather Bureau (PAGASA)

3. Flood – covers damages attributed to or directly caused by flood.

4. Extended Cover (Smoke, Aircraft, Vehicle and Explosion)

• Smoke – sudden, unusual, or faulty operation of any venting instrument
• Aircraft or Debris (Falling) – from flying aircraft and other atmospheric and non-atmospheric objects
• Vehicle Impact – direct loss resulting from an off-road vehicle (excluding damage to driveways, walks, lawns and fences)
• Explosion – chemical or mechanical

5. Riots, Strikes, and Malicious Damage

• Riot – a chaotic disturbance of the public peace

Characteristics of a Riot:

• Must have at least 3 people
• With common purpose
• Execution of common purpose
• Intent to help one another by means of force
• Use of force or violence

6. Strike – A temporary stoppage of work by a body of workers designed to enforce compliance of demands made on an employer.

7. Malicious Damage – Damage or Loss caused by a party whose intent was to do harm or deface material goods

• Burglary & Robbery