Or due to willful or negligent act of the Party which led to the fire, smoke spread, or any source of water, including storm or rain or any part of the house leaks or overflows in in the house,
or, as a result of the deliberate or negligent act of Party B, causing fire, smoke to spread or any source of water including storms or rain water to leak or overflow in the house or any part thereof,
Or the fire, smoke spread in the house or water from any source including storm or rain leaked or overflowed in the house or any part thereof due to Party B's intentional or negligent act,<br>