Page 260 - Agriculture Policy Wording Binder

4. If, at the time of any event giving rise to a claim under this Sub-Section, indemnity is also provided under any other insurance, this Sub-Section shall not be drawn into contribution with such other insurance except in respect of any excess over and above the amount payable by such other insurance;
5. Notwithstanding Specific Exception 3, the Company will indemnify the Insured if a garden services firm is engaged under contract in the maintenance of the garden at the premises stated in the Schedule and is legally liable for the acts or omissions of the employees of the garden services in the course of their employment at these premises.
CLAUSES AND EXTENSIONS Architects’ and other professional fees
The insurance under Sub-Section A includes professional fees (for estimates, plans, specifications, quantities, tenders and supervision) necessarily incurred in the reinstatement or replacement of the property insured following damage by a defined event, but in no case exceeding 20% (twenty percent) of the amount payable in respect of such damage;
PROVIDED THAT:
the total amount recoverable shall not exceed the sum insured on the property affected. The amount payable in respect of such fees shall not include expenses incurred in connection with the preparation of the Insured’s claim.
Capital additions
The insurance under this Section covers alterations, additions and improvements (but not appreciation in value in excess of the sum(s) insured) to the property for an amount not exceeding 20% (twenty percent) of the sum insured thereon, it being understood that the Insured undertake to advise the Company each quarter of such alterations, additions and improvements and to pay the appropriate additional premium thereon.
Cost of demolition and clearing and erection of hoardings
The insurance under this Section includes costs necessarily incurred by the Insured in respect of the demolition of property insured and/or the removal of debris and in providing, erecting and maintaining hoardings required during demolition, site clearing and/or building operations following damage to the property insured by a defined event;
PROVIDED THAT:
the total amount recoverable shall not exceed the sum insured on the property affected.
The Company will not pay for any costs or expenses:
1. incurred in removing debris except from the site of such property destroyed or damaged and the area immediately adjacent to such site;
2. arising from pollution or contamination of property not insured by this Policy/Section.
Costs of removal of fallen or leaning trees
The insurance under this Section covers costs reasonably and necessarily incurred in removing trees or parts of trees from the dwelling(s) or premises as described in the Schedule that have fallen following a Defined Event as defined under Sub-Section A or leaning trees that are in danger of causing damage to the insured property;
PROVIDED THAT:
1. the Company’s liability will not exceed R10 000 (ten thousand rand) any one occurrence;
2. such costs will be subject to the Company’s prior written consent;
3. the Insured will be responsible for the first R500 (five hundred rand) in respect of any one occurrence.
Discomfort cover
In the event of a total loss of the premises caused by any insured peril for which the Company had indemnified the Insured, an additional amount of R10 000 (ten thousand rand) will be paid to the Insured for any discomfort suffered.
Inflation
The sum insured in respect of buildings insured hereby will be increased automatically each month by a percentage commensurate with price indices.
Houseowners
Page | 258 Policy Wording – Agriculture – Binder – Version 2 2023