Fire, Lightning and explosion :including costs of extinguishing fires, clearing debris and smoke damage.

Water damage:including the search and detection of faults within the premises and the costs of repair and / or replacement of faulty pipes.

Malicious acts ( vandalism)

Natural phenomena:flooding,wind,rain,hail and snow.

Broken windows:including replacement and fitting of glass,signs,mirrors and windows of both counters and display cabinets.

Aesthetic reconditioning costs.

Electrical damage to installations and appliances.

Loss of rent.

Forced relocation.