Page 32 - Hollard - Private Portfolio Policy Wording

Buildings
1. Fire
Fire, lightning or explosion
You are covered for building damage that is caused by re, lightning or explosion.
2. Weather
Storm, wind, water, hail, etc.
You are covered for building damage that is caused by storms, as well as related ac vity such as wind, water, hail, snow and ooding.
However, this excludes loss or damage:
○ to gates, fences or retaining walls
○ caused by movement of the land suppor ng the buildings, even if it is caused by storm or ooding
(this exclusion does not apply to the removal of land suppor ng the building by owing surface water).
3. Earthquake
You are covered for building damage that is caused by an earthquake.
4. Impact
Impact with the buildings; falling trees
You are covered for building damage that is caused by sudden impact. Examples are a tree falling onto the buildings or a wall collapsing onto a part of your property. However, the cover does not apply if the event is caused by outside agents – for example, tree fellers or building contractors – in the course of work they are doing for you.
5. Leaks, ooding
Over owing of water apparatus; leakage of oil
You are covered for building damage that is caused by leaks and ooding. Examples are burs ng pipes, over owing water tanks, exploding geysers and sudden leakage of oil from heaters.
Damage to concealed water pipes
We will pay once only for damage to concealed water pipes caused by rust, corrosion, gradual deteriora on or wear and tear; therea er it will be for your own account.
Damage to geysers caused by burs ng is covered up to the amount in the Schedule.
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Hollard Private Por olio