Page 256 - Agriculture Policy Wording Binder

SUB-SECTION A – PROPERTY DEFINED EVENTS
HOUSEOWNERS
Damage to the whole or part of the property described in the Schedule, owned by the Insured or for which they are legally responsible, including alterations by the Insured as tenants to the building and structures, by:
1. fire;
2. lightning and thunderbolt;
3. subterranean fire;
4. explosion;
5. earthquake (whether arising from mining operations or otherwise), volcanic eruption or other convulsion, but excluding loss of or damage to property in the underground workings of any mine;
6. special perils:
6.1 storm, wind, water, hail or snow but excluding damage to property:
6.1.1 arising from its undergoing any process necessarily involving the use or application of water;
6.1.2 caused by tidal wave originating from earthquake;
6.1.3 in any structure not completely roofed unless specifically insured as a separate item in the Schedule;
6.1.4 being retaining walls unless specifically insured as a separate item in the Schedule;
6.1.5 being gates, posts and fences not constructed of stone, concrete, steel or brick
6.2 aircraft and other aerial devices or articles dropped therefrom;
6.3 impact by animals, trees (except falling trees whilst contractors are engaged in the felling thereof), aerials, satellite dishes or vehicles excluding damage to such animals, trees, aerials, satellite dishes or vehicles or property in or on such vehicles;
PROVIDED THAT:
this Defined Event (special perils) does not cover:
1. wear and tear or gradual deterioration;
2. damage caused or aggravated by:
2.1 subsidence or landslip;
2.2 the Insured’s failure to take all reasonable precautions for the maintenance and safety of the property insured and for the minimization of any damage;
2.3 mildew, damp, rising damp, rust, corrosion or rot;
2.4 consequential loss or damage of whatsoever nature other than Loss of Rent as described in Sub- Section C of this Section;
2.5 any loss or damage as a result of structural defects, faulty design, defective workmanship, lack of maintenance, normal wear and tear, corrosion, inherent vice and latent defect
7. damages following the sudden and unforeseen escape of water from washing machines or dishwashers and loss due to bursting and leaking of or damage to geysers, water tanks, water apparatus, water pipes, drip trays, pans and water heating systems, accidental leakage of oil from fixed oil heating installations, the property of the Insured installed in the buildings described in the Schedule;
Houseowners
Page | 254 Policy Wording – Agriculture – Binder – Version 2 2023