Page 45 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Buildings
The Certificate of Compliance or proof of installation must be provided to your broker soon after the
device was installed.
○ Lightning conductor
If a lightning conductor is installed it must comply with the following requirements:
– The lightning conductor must be installed, operated and maintained according to the manufacturer’s
specifications.
– The lightning conductor must be of adequate height to protect the building at a minimum angle of 45˚
from the top of the building to ground level and needs to be earthed.
In addition, the following conditions apply to roofs of thatch or wood and chimneys:
○ Thatch roofs
– Under no circumstances should steel pipes, cables or electric wiring be in direct contact with the
thatch.
– We do not cover loss or damage to solar installations that are fitted on a thatch roof.
– There must be adequate clearance between the thatch and metal objects under it.
– Where metals used in the construction of the roof are not bonded and earthed, a minimum clearance
of one metre must be maintained between metals in the roof, water pipes, vent pipes, tanks, gas
pipes, antennas, telephone, bell wires, burglar alarms, electrical wiring and conduits.
○ Wood or thatch roofs treated with fire retardant
– If you have a wood or thatch roof and it is treated with a fire retardant, then it must be maintained
according to the manufacturer’s specifications or at a minimum interval not exceeding 3 (three) years.
– You must supply us with written proof of the maintenance, if required by us.
○ Conditions for a chimney
You must take all reasonable steps to make sure that your chimney complies with the relevant National Building
Regulations regarding the height of the chimney and the materials used to construct it. The following conditions
also apply to chimneys:
– The chimney must not create a fire hazard to any adjacent material.
– A non-combustible flashing must be installed on the roof around the chimney.
– The chimney must protrude at least one metre higher than the thatch around it on all sides.
You must tell us of the actions of your tenants
You must tell us as soon as possible if your insurance risk might be affected by the actions or neglect of your tenant living
on the property. An example is if your tenant changes the security measures. In such cases, we may impose additional
terms, conditions and exclusions.
Tell us if you run a business from your premises
You must tell us immediately if you run a business from your premises. Your premises must at all times be predominantly
used for residential purposes, and your business may not increase the risk of loss of or damage to your home or contents.
We may impose new terms, premiums and conditions.
Notify us about any improvements to your buildings
If you increase the value of your buildings through any alterations, extensions or improvements, we will increase your
cover by up to the percentage stated in the Schedule, provided that you tell us immediately and pay any additional
premium required.
Fix any defective workmanship or materials and structural or design faults
○ You must fix any defective workmanship or materials and structural or design faults at your building as soon as
you become aware of it because there is no cover for loss or damage due to such defects.
○ If you don’t fix the defects to an acceptable standard at your expense, we will not cover you or might not offer
to renew your policy.