In Shapiro Realty Co. v. Agricultural Ins. Co., (287 A.D.2d 389 [1st Dept 2001]), a policy provision requiring the insured to "take all reasonable steps to protect the covered property from further damage by a covered cause of loss" was held to entitle the insured to reimbursement for the costs of demolition and repair where a concrete slab had partially collapsed as a result of hidden decay and the policy expressly provided coverage for such loss or damage.