Page 42 - Agriculture Policy Wording Binder

3. compaction or infill;
4. defective or faulty design, materials or workmanship;
5. excavations other than mining operations;
6. contraction and/or expansion of soil, clay or similar types or moist or damp;
7. removal or weakening of support to the insured property.
2. The Company will not be liable for:
2.1 loss of or damage to septic or conservancy tanks, drains, water courses unless the building(s) is damaged at the same time by the same event;
2.2 consequential loss whatsoever;
2.3 damage existing at commencement of cover.
3. The Insured will be responsible for the first 5% (five percent) of the claim minimum R5 000 (five thousand rand) of each and every occurrence giving rise to a claim.
4. If required the Insured must give proof that the loss or damage being claimed for was caused by subsidence, landslip or heave.
Temperature all risk clause
In consideration of the payment of an additional premium this Section is extended to cover:
Deterioration of stock in trade whilst contained in any refrigeration unit in any building situated at the Insured premises due to the change in temperature as a result of an insured peril as described in the defined events of the section;
PROVIDED THAT:
the damage is accidental, unforeseen and sudden physical damage to the refrigeration machinery is caused due to;
1. failure of electricity supply (gas and paraffin included) unless due to a deliberate act of any supply authority or shortage of fuel or water or drought at any power station;
2. contamination by refrigeration fumes arising as a direct result of unforeseen and sudden physical damage to the refrigeration machinery
3. the liability of the Company in terms of this Endorsement shall not exceed amount stated in the Schedule
4. the Insured shall be responsible for the First Amount Payable of 10% of the claim subject to a minimum of R1 000 (one thousand rand) of each and every claim.
Cover hereby provided operates only whilst the refrigerating unit is the subject of manufacturers guarantee or warranty (if applicable) or a maintenance contract of which proof must be submitted to the Company on request
PROVIDED ALWAYS THAT:
this endorsement does not provide cover in respect of deterioration of stock in trade in consequences of:
1. wear and tear or gradual deterioration of the refrigeration machinery;
2. failure of recording devices of the temperature monitoring controls;
3. expendable and exchangeable components of the refrigeration machinery.
Wild animals (buildings)
The Company will pay for loss or damage to the building(s) and outbuilding(s) stated in the Schedule caused by wild animals. Wild animals will not be regarded as vermin for the purpose of this cover;
PROVIDED THAT:
1. the Company will not pay more than the amount stated in the Schedule;
2. the Insured shall be responsible to pay the first 10% (ten percent) of the claim with a minimum of R500 (five hundred rand) of each and every claim.
Fire
Page | 40 Policy Wording – Agriculture – Binder – Version 2 2023