THE SUM INSURED EXTENDS TO INCLUDE REASONABLE EXPENSES INCURRE BY THE INSURED IN THEIR EFFECTS TO RECOVER SAFEGUARD OR PRESEVE THE PROPERTY INSURED, TO MINIMIZE ANY LOSS INSURED THEREUNDER, OR TO PROSECUTE IN ITS OWN NAME ANY CLAIM FOR INDEMNITY OR DAMAGES OR OTHERWISE IN RESPECT OF SUCH LOSS PROVIDED COMPANY HAS CONSENTED TO SUCH ACTION