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8. Rent
Any item on rent applies only if any building or any portion of it is unfit for occupation in consequence
of its Damage and the amount payable will not exceed such proportion of the sum insured on rent as
the period necessary for reinstatement bears to the term of rent insured.

9. Subrogation Waiver
In the event of a claim arising we agree to waive any right, remedy or relief to which we might become
entitled by subrogation against any tenant or lessee in respect of Damage to that portion of the
premises in the demise of that tenant or lessee or to those portions of the premises in which all the
tenants have a common interest where the premium has been paid by the tenant or lessee unless the
Damage arises out of the tenant’s or lessee’s gross negligence or as a result of the tenant’s or lessee’s
wilful act or recklessness.

10. Underinsurance
The sum insured under each item other than those applying solely to debris removal, professional fees,
rent or private dwelling houses is declared to be separately subject to underinsurance.
If at the commencement of Damage a sum insured under any item which is declared to be subject to
underinsurance is less than the value of the property covered under that item you will be considered
as being your own insurer for the difference and the amount payable will be proportionately reduced.

11. Workmen
Workmen are allowed to work in the buildings for the purposes of effecting any repairs, minor
additions and alterations or decorations without prejudice to this insurance.

Section 4 – Special Conditions

1. Automatic Fire Alarm Installation
It is a condition precedent to our liability in respect of Damage that for any automatic fire alarm
installation in your custody or control you will:

a) not make without our written consent any alteration or variation to any installation which has been
required by us; and

b) carry out the testing and checking requirements referred to on the completion certificate and
remedy promptly any defect disclosed; and

c) carry out the maintenance procedures specified by the manufacturers of the equipment; and
d) notify us immediately of any disconnection or failure likely to leave any area unprotected for 12
hours or more; and

e) record details of any alarm activation, fault, test, maintenance and disconnection and keep such
details available for examination by our representatives.

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