Liberty Commercial Premises insurance (Castellano)
A.2. Expenses and losses associated with material damages
10. Expenses incurred in the aesthetic reconstruction of the building
Expenses incurred due to the aesthetic reconstruction of the insured business affected by a loss guaranteed by the covers in the policy, providing the building is insured and it is not possible to repair the insured structure with materials identical or similar to those damaged without reducing the original harmony of the property.
Said expenses shall comprise the repair, or the total or partial replacement of the property affected by the loss using materials identical or similar to the originals.
The existence of and estimate for the aesthetic damages shall be determined by the loss adjusters assigned to evaluate the damage.
The indemnity under this guarantee is conditional upon repair of the damage.
Cover shall be limited to a maximum of 5% of the insured sum for buildings with a limit of euros 3,000.
THE FOLLOWING IS NOT COVERED:
a. Damage cause to sanitary elements.
b. Damage due to the effect of scrapes, scratches and chipping.
c. Damage to the outside of the building.
4. Risks excluded from all guarantees