Page 46 - Hollard Private Portfolio - Version 3.5

44 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Buildings
○ When we accept a claim we will not cover any costs to fix defective workmanship or materials and structural or
design faults that existed at your building before the loss or damage occurred.
Comply with national building regulations
You must take all reasonable steps to ensure that the buildings comply with National Building Regulations, and that your
building plans have been approved by the local authority.
For example: Generators must be fitted according to the latest published SANS standards. The installation must be
done by a qualified electrician and you must be supplied with a SANS compliance certificate.
Subsidence and landslip – Limited and Extended cover
○ If you are required to do so, you must prove that the loss or damage you are claiming for was caused by
subsidence, landslip or ground heave.
○ If during the construction of the building or any subsequent additions to the building the services of an
engineer was necessary to meet Building Regulations, the buildings and outbuildings must meet the engineer’s
requirements. If they do not, your subsidence, landslip and ground heave cover may be affected.
Surge arrester requirements
If you have selected Power surge cover and pay a premium for it, cover will only apply if an approved surge arrester
is installed on the home’s main electrical distribution board. The arrester must be as per the SANS/IEC 61643-11 low
voltage surge protection standards, and must:
○ Be a type 2 device.
○ Be designed to withstand at least peak surge currents of 40kA (/max).
○ Be wired in terms of SANS 10142-1 Connection type 2.
○ Have a status indicator to indicate if the protector is operational or not.
○ Be installed by a registered electrician who must provide either of the following:
– A Certificate of Compliance for the installation.
– Proof of installation stating the adherence to the required electrical standards and regulations at the
time that the device was installed, as well as complete the Surge arrester checklist form, which you
can request from your broker.
The Certificate of Compliance or proof of installation must be provided to your broker soon after the device was
installed. If you are not able to provide proof of installation or have not met the surge arrester requirements,
you will not have cover.
Installation of renewable energy equipment and/or a photo-voltaic systems
If you have permanently fitted renewable energy equipment to the home, cover is subject to the following conditions:
○ We do not cover loss or damage to solar installations that are fitted on a thatch roof.
○ We do not cover loss or damage to solar geysers or hybrid solar system installations where the roof structure
was not capable of bearing the additional weight of the installation.
○ The equipment must be installed by a registered electrician who must provide either one of the following:
– A Certificate of Compliance for the installation.
– Proof of installation stating their adherence to the required electrical standards and regulations at the
time the device was installed.
Any items forming part of the installation of renewable energy equipment that are intended to be kept or used outdoors,
are covered for theft even if there are no visible signs of forcible or violent entry to or exit from the main building or the
property.