Claim preparation fees clause

This Policy is extended to cover such reasonable professional fees as may be payable by the Insured, and such other reasonable expenses necessarily incurred by the Insured and not otherwise recoverable, for preparation of claims under this Policy and the Insurer(s) shall indemnify the Insured for such reasonable fees and expenses.
The maximum limit of liability under this extension shall not exceed 5% of the agreed claim amount and the Insurer(s) agreed that any Average Condition of this Policy shall not apply to this item of insurance.