CAUSES OF LOSS CLAUSE

This policy does not insure against loss or damage caused by any of the following, regardless of any  other  cause  or  event  contributing  concurrently  or  in  any  other  sequence  to  the  loss  or damage :

1.                  animals, vermin or insects unless physical damage not otherwise excluded by this policy results, and then the Insurer shall be liable for only such ensuing  physical damage;

2.                  any fraudulent, dishonest or other act intended to result in the financial gain of the Insured or any associate, proprietor, partner, director, trustee, officer, employee  except if resulting from loss, des­truction or damage, caused by strike, riots, acts of vandalism, mi­schief committed by the Insured's employees.  The insurer will however maintain his rights of recourse against these employees;

3.                  dampness or dryness of atmosphere, or extremes or changes of temperature, unless physical damage not otherwise excluded in this policy to buildings or equipment results, and then the Insurer shall be liable for only such ensuing  physical damage;

4.                 interruption of incoming electricity, fuel, water, gas, steam, refrigerant or other services, unless such interruption of services directly results in physi­cal damage not otherwise excluded by this policy to property situated on Described Location, and then the Insurer shall be liable for only such resulting physical damage (except to the extent as being insured per  the Off –Premises power endorsement).