The insurance under the policy shall subject to the special conditions hereinafter contained, extend to include :

Loss or damage to the property  insured, directly caused by bursting or overflowing  of water tanks, apparatus or  pipes but, excluding :

  1. Destruction or damage, caused by flood, subsidence or landslide
  2. Property in the open
  3. The first deductible stated in the policy schedule of each and every loss.

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