Page 38 - Hollard Private Portfolio - Version 3.5

36 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Buildings
Check your policy schedule now to see if this limited cover is likely to be sufficient to cover the full replacement cost in
the event of loss or damage. If you feel that it is not enough, you may ask us for additional cover so that we can increase
the limit.
Medical benefit
We will pay the medical benefit if a defect in your buildings causes bodily injury to a guest, visitor or your own employees,
and the injury requires medical treatment. However, if they can claim under their own policy or medical aid we will not
make any payment.
Pest contamination
We will pay for professional extermination and control of pests caused by a sudden and unexpected infestation of your
buildings that:
○ Is a risk to your health.
○ Can lead to loss or damage to your home.
○ Makes your home uninhabitable.
This cover does not apply to infestations of termites or woodborer, or if your buildings have been unoccupied for more
than 60 days, unless your home is listed as a holiday home in your policy schedule.
Professional cleaning services
We will cover the costs for a service provider to clean your home if it is soiled or stained during a home invasion or while
you are assaulted by a third party. If we are unable to successfully clean your home, we will repair or replace the soiled
or stained item, up to the limit.
Public supply or mains connection
We will pay for loss or damage to water, sewerage, gas, electricity, fibre or telephone connections belonging to you, or
for which you are responsible, between your premises and the public supply.
Removal of fallen trees
We will pay for the removal of fallen trees from your risk address. This includes the cost to fell trees at your risk address
that are threatening to fall and cause damage to your risk address or your neighbour’s residence. We must agree and
give you written permission before you fell the tree or you incur any costs.
Restoring of soil
We will cover the reasonable costs to restore soil or earth to your risk address that we consider necessary in order to
repair insured damage to your building. For example, soil supporting your retaining wall that has been washed away
after a flood.
Security guards
We will pay the reasonable and necessary costs to hire security after an insured event, provided the loss gives rise to a
claim.
Temporary emergency measures
We will pay for the reasonable costs of temporary emergency measures you carry out to protect or prevent further
loss or damage to your buildings after an insured event under this policy section. The following conditions apply to this
benefit:
○ We will only pay back the costs if we accept the claim for the loss or damage after an event.
○ You must give us a detailed invoice for the costs you incurred for the temporary emergency measures.
Example of temporary emergency measures: Temporary fencing put up after a vehicle drove through a boundary
wall.