https://www.sugese.fi.cr/seccion-polizas-registradas/pólizas-vigentes

• Fire, which is not caused by any of the exclusions.
• Water, to extinguish a fire and to control the accident
• Lighting impact
• Smoke or soot, coming from a fire in the insured place or the one next to it.
• Implosion and/or explosion of any type, except boilers, combustion engines or pressure apparatus.
• Terrestrial or aerial vehicle impact
• Falling of trees, antennas, towers.
• Fire and direct damage due to earthquake
• Direct damage due to strong winds.
• Looting
• Rain

• International war (declared or not), terrorism, sabotage, acts of foreign enemies, civil war, revolution, insurrection, rebellion, political manifestations and activities, acts with the purpose of induce to terrorism or violence, employee-employer disorders, popular riots, public order alterations, and any other similar situations to the abovementioned and the actions taken to avoid or to stop them, only if there is any agreement in contrary referred to the following risks: political manifestations and activities, acts with the purpose of influencing by means of violence, employer/employee disorders, popular riots, alteration to the public order.
• In any case this insurance will cover loss, damage, responsibilities or expenses direct or indirectly caused by or attributable to, or as a consequence of nuclear energy, any type of radioactivity, including, but not limiting to any of the events which are going to be mentioned as follows, independently of any other event or reason which has contributed to the accident in a concurrent or sequential way.
• Fraudulent or criminals actions made by the Insured, or any person who acts in his name.
• Every coverage offered by this insurance contract will be automatically suspended at the moment that the insured building (or where the insurance items are located) is sank, cracked or collapsed, as a whole or in part, in such a way that it constitutes a greater risk than before the previous accident.
• This policy does not cover consequent losses as the business or production interruption, loss of market or profits, or loss of rent.
• There is no coverage for the damages suffered by the insured items due to lack of refrigeration and other similar losses.
• The no electronic recognition of date.
• Pollution and/or contamination.
• Direct losses which have their origin in design errors, or construction defects, even though the immediate cause come from risks covered under this policy.
• Losses or damages to the insured property due to fermentation, own vice or spontaneous combustion, or due to heating or dry out procedures, to which the property has been submitted.
• Looting or robbery of the items in any circumstance, either by losses suffered during or after the accident, only if there is an agreement in contrary.

• The Insured must present himself/herself to the Centro de Negocios de la Mutual, to notify.
• To hand in a letter, asking for the granting of the fire insurance coverage, which he/has in relation to the credit with the Mutual, and which covers the building structure, indicating the accident date, details of damages, telephone numbers, and electronic address.
• Photocopy by both sides of the Insured´s identification card.
• Photos of the building areas where the damages could be verified.
• Provisional invoice of the materials and labor for the repair of the damages.

For all the abovementioned benefits, the Insurer Company could ask for any additional requirements that it considers necessary fot the claim analysis.