Average Relief Clause (85%)

If at the time of loss or damage the sum insured is less than eighty five (85) per cent of the cost which would have been incurred in reinstatement if the property had been destroyed by any peril hereby insured against, then the insured shall be considered as being his own insurer for the difference between the sum insured and the sum representing the cost of reinstatement of the whole of the property and shall bear a rateable proportion of the loss accordingly.
The insured shall not be considered as being under insured if the sum insured is eighty five (85) per cent or more of the reinstatement cost.