Clarification of Property Damage in Property Insurance

Clarification of Property damage clause in the property insurance.

What is meant by property damage clause covered in the property insurance agreement is any physical damage to the substance of the property which is insured.

Physical damage to the substance of the property, in this case it does not include damage to data or computer programs, including adverse modification of program data, software or computer, which is caused by corruption, deletion or

deformation of the original structure. We might consider that such software-related matters are just too risky for the insurance company to cover.

Therefore,  some exceptions for the property damage clause is going to be revealed in the following details:

A. Loss or damage to data or computer programs, including no adverse modification of data, software or

The computer program, which is caused by corruption, deletion or deformation of the original

Structure and business interruption losses arising from any loss or damage.

Although this exception is not loss or damage to data or property enclosed.

B. Loss or damage resulting from an impairment of, availebility range of functions, and accessibility

Data, software or computer programs, and any business losses from disturbances such as

Loss or damage.

Offered by the above explanation about the property damage clause covered in the property insurance, it is expected that readers can easily understand the correct understanding and criteria of the property damage which is meant in the property insurance.
Reference: hxxp://insurance-clauses.blogspot.com