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adjusted claim administrative and holdings AMERICAN LIBRARY ASSOCIATION amount of insurance amount of loss appraisal bailee bindery borrowed collection borrowing library building improvements carrier caused clause Paragraph co-insurance custody damaged property date of loss deductible deposit premium depreciation earned premiums effect employees excess insurance exclusion extra expense faulty operation hazards holdings records improvements and betterments incurred inherent vice Institutional Property Policy insurance company insured library liable library buildings library property Library Technology Project library's limited listed loss hereunder loss occurring loss or damage loss situation MODEL INSURANCE POLICY mysterious disappearance nuclear radiation nuclear reaction operation of heating paid Paragraphs 2-a personal property policy provides Premium Adjustment property insured protect the insurance provisional premium Public and Institutional radioactive contamination recover recovery refund repair replacement cost reported value respect salvage value sound value stacks Subrogation term umpire underwrite values reported void volume Waiver Clause water damage