• Flood Clause

    The insurance under this policy extends to include loss of or damage to the property insured directly caused by flood, which for the purpose of this extension shall mean the overflowing or deviation from their normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originating from outside the building insured or containing the property insured, but excluding :

    1. loss or damage by flood caused by earthquake, volcanic eruption, hurricane, cyclone, typhoon or windstorm; 
    2. loss or damage caused by subsidence or land slip; 
    3. loss or damage to fences, gates, goods stored in the open or goods in transit; 
    4. the first ..... of each and every loss 

    provided that all the conditions of the policy shall apply as if they had been incorporated herein.