Basis Of Valuation / Settlement

Insured Property shall be valued and Property Damage shall be adjusted on the following basis:

For all Real and Personal Property except those specified below, in accordance with the provisions of the Replacement / Reinstatement Value memorandum.
For raw materials supplies and other merchandise not manufactured by the Insured, at actual replacement cost.
For Material-in-Process, at actual replacement cost of its raw materials plus the value of labour and overhead charges expended on damaged material up till occurrence of Property Damage.
For Finished Goods, at actual replacement cost of its raw materials plus the value of labour and overhead charges expended on damaged Goods but not allowance for the cost of restocking such goods, whichever is lower.
For documents plans books and computer systems records, at actual cost and expense of replacement blank media, clerical labour and leased computer time necessarily expended to  re-copy damaged information onto the blank media, but not any cost or expense related with the production of information to be copied nor for the value of any information to the Insured.
Provided the Company shall not be bound to reinstate or replace exactly or completely but only as circumstances permitted and in reasonably sufficient manner. If the Insured is unwilling or unable to reinstate or replace the damaged properly, then Property Damage shall be settled at Indemnity Value at time of loss.
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