Calculate the share effect on the incremental EPS for the following instrument: 
Definitions:
Insurance Coverage
The amount and type of protection provided by an insurance policy against various risks or damages.
Coinsurance Clause
A provision in insurance policies requiring the policyholder to bear a portion of the costs of a claim, promoting shared risk.
Fire Damages
Destruction or damage inflicted to property, goods, or assets due to fire.
Insurance Money
Funds received from an insurance company either as a claim settlement or benefit payment.
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