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pt. 61, App. A(2) . 4. Freezing. thawing. or the pressure or weight of ice or water. 5. Water. moisture. mildew. mold or mudslide (i.e.. mudflow) damage resUlting primarily from any condition substantially confined to the insured building or from any condition which is within the Insured's con- trol (including but not limited to design. stroctura.! or mechanical defects. faUures. stoppages or breakages of water or sewer lines. drains, pumPS. fixtures or equipment). C. Losses of the following natuTe: 1. A loss which is already in progress as of 12:01 a.m. of the fIrst day of the policy term. or. as to any increase in the limits of cov- erage which is requested by the Insured. a loss which is already in progress as of 12:01 a.m. on the date when the additional cov- erage becomes effective. 2. A loss from a flood which is confined to the premises on which the insured property is located unless the flood is displaced over two acres of the premises. 3. A loss caused by the Insured's modifIca- tion to the insured property which materi- ally increases the risk of nODding. 4. A loss caused intentionally by the In. sured. 5. A loss caused by or resulting from power. heating or cooling failure. unless such fail- ure results from phySical damage to power. heating or cooling equipment situated on the premises where the described building or unit is located. caused by a flood. 6. A loss to any building or contents located on property leased from the Federal Govern- ment. arising from or incident to the nood- ing of the property by the Federal Govern- ment where the lease expressly holds the Federal Government harmless. under flood insurance issued under any Federal Govern- ment program. from loss arising from or in- cident to the nooding of the property by the Federal Government. , Article 4-Property COveTed (Subject to Articles 3, 5 and 6 Provisions. Which Also Apply to the Other Articles. Terms, and Conditions of This Policy. Including the Insuring Agreement) Coverage A-Building Property This policy covers a building (the "building") at the premises which is de- scribed in the a'PPlication. and includes: 1. The entire building. for its real property elements. including;if owned in common by a Condominium Association. as named Insured. all units within the bUilding and the bnprove- mentswithin the units. 2. Additions and extensions attached to and in contact with the building by means of a common wall (but see Article 6, paragraph D.2.). 3. Fixtures. machinery and equipment. in- cluding the following property. all while within the building and owned by the named 44 CFR Ch. I 00-1-97 Edition) Insured. as to which coverage is not pr011ided under "Coverage B-Personal Property": -Furnaces . Wall Mirrors Permanently Installed . Permanently Installed Corner Cupboards. Bookcases. Paneling. and Wallpaper . Ventilating Equipment . Fire Extinguishing Apparatus . Venetian Blinds . Central Air Conditioners . Awnings and Canopies . Elevator Equipment . Fire Sprinkler Systems . Outdoor Antennas and Aerials . Pumps and Machinery for Operating Them . Carpet Permanently Installed Over Un- finiShed Flooring . In the Units Within the Building. In- stalled: . Built-in Dishwashers . Garbage Disposal Units . Hot Water Heaters . Kitchen Cabinets . Built-in Microwave Ovens . Plumbing Fixtures . Radiators . Ranges . Refrigerators . Stoves 4. Materials and supplies to be used in con- structing. altering or repairing the building while stored inside a fully enclosed building: a. At the property address: Or b. On an adjacent property at the time of loss: or c. In case of another building at the prop- erty address which does not have walls on all sides. while stored and secured to prevent flotation out of the bUilding during nODding (the flotation out of the building shall be deemed to establish the conclusive presump- tion that the materials and supplies were not reasonably secured to prevent flotation. in which case no coverage is provided for such materials and supplies under this policy). 5. A building in the course of construction before it is 1DI1lIed and Toofed subject to \be following conditions: a.. The amount of the deductible for each loss occurrence before the building is walled and Toofed is two times the deductible which is selected to apply after the building is walled and Toofed; b. Coverage is provided before the building is walled and Toofed onlY while construction is in progress. or if construction is halted. ouly for a period of up to 90 continuous days thereafter. until construction is resumed; and c. There is no coverage before the building is walled and roofed where the lowest floor. including baseme7lt floor. of a non-eleva.ted bUilding or the lowest elevated fioor of an ele- vated building is below the base !/Doll ele- vation in Zones AR. AE or Al-30 or is below the base flood elevation adjusted to include 274 . ..... ". . . . .... ..' .... ...... ." .... -....... . ....... '.. ".-' .' ... .