Page 46 - Hollard Private Portfolio

Subsidence, landslip or heave
You cannot claim for loss or damage to the buildings caused by subsidence, landslip or heave of the land supporting it, if it is caused by:
○ normal settlement, shrinkage or expansion of the buildings
○ structural alterations, additions or repairs
○ the compaction of infill
○ defective or faulty design, materials or workmanship
○ excavations other than mining operations
○ removal or weakening of support to the buildings.
You are also not covered for:
○ any damage that existed before your policy started.
Thatched roof and non-standard construction
We will not pay for loss or damage to:
○ the main building that has a thatched roof, unless the Schedule reflects that the roof is made of thatch.
○ the main building that is of non-standard construction, unless the Schedule reflects that the building is of non- standard construction.
○ an outbuilding, with a roof that is more than 15% of the total square metres of the main building’s roof, and has a thatched roof (such as a thatch lapa) or is of non-standard construction (such as a Zozo hut/Wendy house), unless the outbuilding is specifically mentioned in the Schedule.
Buildings
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Hollard Private Portfolio – Version 3.0.0 – 20 April 2020