Insured claims coverage for firefighting labor during the time of active fire which resulted in covered loss to portions of premises. Firefighting labor was performed by insured (commercial property owner) and by tenants (business owners) who were paid for their impromptu and voluntary efforts. Firefighting labor saved the covered property from total destruction, minimized suspension of business, and protected the covered property from further damage.

Insured also claims coverage for insured's time for preparing claim data required by carrier. Insured "incurred" opportunity cost of time, but did not incur direct expense for performance of work by others.

BOP form MP T1 02 02 05