## Section V. Definitions

A. **Hostile fire** means one which becomes uncontrollable or breaks out from where it was intended to be.

B. **Loss** means damages that the insured is legally obligated to pay after making proper deductions for all recoveries and salvage. However,

1. Loss also includes defense expenses and supplementary payments if any Underlying Insurance includes defense expenses and supplementary payments within the Limits of Insurance; or
2. Loss does not include defense expenses and supplementary payments if none of the Underlying Insurance includes defense expenses and supplementary payments within the Limits of Insurance.

C. **Occurrence** means a covered event as defined in the Controlling Underlying Policy.

D. **Pollutants** means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapor, soot, fumes, acid, alkalis, chemicals and waste. Waste includes material to be recycled, reconditioned or reclaimed.