Notwithstanding and superseding any contrary terms or conditions contained anywhere in this policy, the following terms and conditions apply. The lightning deductible of 5% shall apply to any and all covered losses, including partial, total, and constructive total losses, caused directly or indirectly by lightning (“lightning-related loss”) while the insured vessel is in Florida waters from June 1st to November 30th. If it can be demonstrated
by the insured that a lightning protection system of like kind and quality to EMP Solutions Model CMCE-55 was fully functioning and properly installed on board the insured vessel at the time of loss, the lightning deductible stated above shall be reduced to the amount of the standard hull deductible stated on the Declaration Sheets. If the lightning-related loss occurs while the insured vessel is racing in Florida waters during the said time period, the applicable lightning deductible or the racing deductible stated in Section A5 of the PAYP, whichever is higher, shall apply. If the lightning-related loss occurs during authorized towing in Florida waters in the said time period, the applicable lightning deductible or the towing deductibles stated in Section A5 of the PAYP, whichever is higher, shall apply."