【正文】 repairing or restoring the damaged property to a condition near toother property of like kind and quality. 2. Indemnity under this Policy shall be based upon the sound marketvalue of the property prevailing at the time of loss. If the sound marketvalue of the damaged property is lower than the sum insured of suchproperty, the claim shall be settled on its market value。 8. volcanic explosion。 2. antiques, articles of virtue, ancient coins, ancient books andancient paintings。 （五）權(quán)益喪失 如果任何索賠含有虛假成分，或被保險(xiǎn)人或其代表在索賠時(shí)采取欺詐手段企圖在本保險(xiǎn)單項(xiàng)下獲取利益，或任何損失是由被保險(xiǎn)人或其代表的故意行為或縱容所致，被保險(xiǎn)人將喪失其在本保險(xiǎn)單項(xiàng)下的所有權(quán)益。 （二）受損財(cái)產(chǎn)的賠償按損失當(dāng)時(shí)的市價(jià)計(jì)算。市價(jià)低于保險(xiǎn)金額時(shí)，賠償按市價(jià)計(jì)算；市價(jià)高于保險(xiǎn)金額時(shí)，賠償按保險(xiǎn)金額與市價(jià)的比例計(jì)算。對(duì)由此產(chǎn)生的包括本公司已支付的賠償在內(nèi)的一切損失，應(yīng)由被保險(xiǎn)人負(fù)責(zé)賠償。 3. works of art or postage stamps。 9. subsidence of ground。 If the soundmarket value of the property is in excess of the sum insured, the Companyshall only be liable for such proportion of the claim as the sum insuredof the damaged property bears to its sound market value. If the insuredproperty enumerated in the Schedule is more than one item, the provisionof this clause shall apply to each thereof. 3. If a claim for loss of or damage to the insured item is settled ona total loss basis, the salvage value of such item shall be deducted fromthe indemnity payable by the Company. The Company may, at its option,decline the abandonment of any damaged property by the Insured. 4. In the event of loss of or damage to any equipment item insuredforming part of a pair or set, the Company shall not be liable in respectof each of such item lost or damaged for more than its proportionate partof the sum insured on the plete pair or set. 5. In the event of any loss occurrence, the Company shall also pay theInsured for the expenses reasonably incurred for taking necessary measuresto minimize loss or damage to the least extent, but in no case shall suchexpenses referred hereto exceed the sum insured of the insured property. 6. Upon settlement of a claim, an endorsement shall be issued by theCompany to reduce the sum insured corresponding to the property lost ordamaged by the amount so settled from the date of loss, and no premiumshall be refunded for the amount so reduced. If reinstatement of the suminsured is required by the Insured upon settlement of the claim, anadditional premium for the reinstated amount shall be charged at an agreedrate, and be calculated on pro rata daily basis from the date of loss tothe expiry of the insurance. 7. The time of validity of a claim under this insurance shall notexceed a period of two year counting from the date of loss. V. INSURED39。 paying the necessary cost of repairing or restoring the damagedproperty to its nearest condition immediately preceding the damage or。 7. landslide, rockslide, avalanche。 七、保險(xiǎn)費(fèi)率： 總保險(xiǎn)費(fèi)： 八、付費(fèi)日期： 九、司法管轄 本保險(xiǎn)單受中華人民共和國(guó)的司法管轄 十、特別條款 財(cái)產(chǎn)險(xiǎn)保單明細(xì)表 ＿＿＿＿＿＿保險(xiǎn)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。對(duì)本保險(xiǎn)單已生效期間的保險(xiǎn)費(fèi)，前者本公司按短期費(fèi)率計(jì)收，后者按日比例計(jì)收。 四、賠償處理 （一）如果發(fā)生本保險(xiǎn)責(zé)任范圍內(nèi)的損失，本公司選擇下列方式賠償： １．按受損財(cái)產(chǎn)的價(jià)