Page 35 - Hollard Private Portfolio

Buildings
7. Subsidence, landslip or heave
Limited cover
You are covered for loss or damage up to the sum insured to the private home and its outbuildings caused by subsidence, landslip or heave of the land supporting it.
Specific exclusions apply to subsidence, landslip or heave (for both limited cover and extended cover), under What is not covered. You are also not covered if this is caused by:
○ contraction or expansion of soil, clay or similar types of soil
○ moisture or damp.
In addition, we are not liable for:
○ loss or damage to swimming pools and surrounds, tennis courts, terraces, patios, paths, driveways, septic or conservancy tanks, drains, water courses, walls, gates, posts and fences or retaining and screening walls – unless the buildings are damaged at the same time by the same event
○ loss or damage to solid floor slabs or any part of the buildings resulting from the movement of the slabs, unless the foundations supporting the external walls are damaged by the same cause at the same time
○ damage that existed before your cover started
○ work necessary to prevent further loss or damage from subsidence, landslip or heave, except where appropriate design precautions were implemented during the original construction of the buildings or any subsequent additions to it.
If required, you will have to prove that the loss or damage being claimed for was caused by subsidence, landslip or heave.
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