【正文】 LIGATIONS The following Obligations shall be strictly fulfilled by the Insuredand his representative: 1. The Insured and his representative, when applying for insuranceshall make true answers or descriptions to the questions in the Proposaland Questionnaire or to any other questions raised by the Company. 2. The Insured and his representative shall pay to the Company in duecourse the agreed premium in the manner as provided in the Schedule andEndorsements. 3. During the period of this insurance, the Insured shall at his ownexpense take all reasonable precautions, including paying sufficientattention to and putting into practice the reasonable remendations ofthe Company, prudently selecting the workmen and employees and plyingwith all statutory regulations and safety operation procedures. 4. In the event of any occurrence which gives or might give rise to aclaim under this Policy, the Insured or his representative shall: notify the Company immediately and within seven (7) days or anyfurther period as may be agreed by the Company in writing, furnish awritten report to indicate the course, probable reason and extent of lossor damage。 5. confiscation, requisition, destruction or damage by any action ororder of any government de jure or de facto or by any public authorities。 but not including loss or damage resulting from pile driving,groundwork or excavation。 3. lightning。 4. advertisements, aerials, neon, pieces of solar energy apparatusetc. on buildings。除事先另有協(xié)議外，仲裁或訴訟應在被告方所在地進行。 （六）合理查驗 本公司的代表有權(quán)在任何適當?shù)臅r候?qū)ΡｋU財產(chǎn)的風險情況進行現(xiàn)場查驗。 六、總則 （一）保單效力 被保險人嚴格地遵守和履行本保險單的各項規(guī)定，是本公司在本保險單項下承擔賠償責任的先決條件。如本保險所載項目不止一項時，賠款按本規(guī)定逐項計算。 經(jīng)被保險人特別申請，并經(jīng)本公司書面同意，下列物品及費用經(jīng)專業(yè)人員或公估部門鑒定并確定價值后，亦可作為保險財產(chǎn)： （一）金銀、珠寶、鉆石、玉器； （二）古玩、古幣、古書、古畫； （三）藝術(shù)作品、郵票； （四）建筑物上的廣告、天線、霓虹燈、太陽能裝置等； （五）計算機資料及其制作、復制費用。 四、賠償處理 （一）如果發(fā)生本保險責任范圍內(nèi)的損失，本公司選擇下列方式賠償： １．按受損財產(chǎn)的價值賠償； ２．賠付受損財產(chǎn)基本恢復原狀的修理、修復費用； ３．修理、恢復受損財產(chǎn)，使之達到與同類財產(chǎn)基本一致的狀況。如被保險人要求恢復至原保險金額，應按約定的保險費率加繳恢復部分從損失發(fā)生之日起至保險期限終止之日止按日比例計算的保險費。對本保險單已生效期間的保險費，前者本公司按短期費率計收，后者按日比例計收。在本公司支付賠償后，被保險人應將向該責任方追償?shù)臋?quán)利轉(zhuǎn)讓給本公司，移交一切必要的單證，并協(xié)助本公司向責任方追償。 七、保險費率： 總保險費： 八、付費日期： 九、司法管轄 本保險單受中華人民共和國的司法管轄 十、特別條款 財產(chǎn)險保單明細表 ＿＿＿＿＿＿保險公司 PROPERTY INSURANCE CLAUSES Whole Doc. I. THE PROPERTY INSURED The property insured shall refer to all properties and expenses specified in the Schedule of this Policy. Unless specifically agreed upon in writing between the Insured and theCompany and appraised and valueestablished by professionals or assessors,the following articles and the expenses relevant thereto shall not becovered under this Policy: 1. gold, silver, pearls, diamonds, precious stones and jades。 5. vehicles licensed for general transport use. II. SCOPE OF COVER The Company shall indemnify the Insured in respect of the physicalloss of or damage to the insured property stated in the Schedule duringthe period of insurance directly arising from the following perils: 1. fire。 7. landslide, rockslide, avalanche。 3. depreciation, loss of market, loss of use and other consequentiallosses of any description。 paying the necessary cost of repairing or restoring the damagedproperty to its nearest condition immediately preceding the damage or。s Republic of China.10. Special Provisions: PROPERTY INSURANCE POLICY39。 If the soundmarket value of the property is in excess of the sum in