Page 36 - Policy Wording - Hollard Prestige Portfolio

34 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
How we settle your claim
– The lightning conductor must be of adequate height to protect the building at a minimum angle of 45˚ from
the top of the building to ground level and needs to be earthed.
In addition, the following conditions apply to chimneys and thatch or wood roofs:
○ Chimneys
– You must take all reasonable steps to make sure that your chimney complies with the relevant National
Building Regulations regarding the height of the chimney and the materials used to construct it. The
following conditions also apply to chimneys:
•
The chimney must not create a fire hazard to any adjacent material.
•
A non-combustible flashing must be installed on the roof around the chimney.
•
The chimney must protrude at least one metre higher than the roof around it on all sides.
○ Thatch roofs
– Under no circumstances should steel pipes, cables or electric wiring be in direct contact with the thatch.
– There must be adequate clearance between the thatch and metal objects under it.
– Where metals used in the construction of the roof are not bonded and earthed, a minimum clearance
of one metre must be maintained between metals in the roof, water pipes, vent pipes, tanks, gas pipes,
antennas, telephone, bell wires, burglar alarms, electrical wiring and conduits.
○ Wood or thatch roofs treated with fire retardant
– If you have a wood or thatch roof and it is treated with a fire retardant, then it must be maintained according
to the manufacturer’s specifications or at a minimum interval not exceeding 3 years.
– You must supply us with written proof of the maintenance, if required by us.
Safe warranty
You have to keep each item of jewellery or watches valued in excess of the limit stated in the schedule in a locked safe
that is fixed to the building when the building is unoccupied, or alternatively, the items should be worn or carried by you
at the time of the loss. If not the payment will be limited to the amount stated in the schedule.
Tennis bracelet warranty
Any jewellery item that carries the description of tennis bracelet must have a secure clasp which much be securely
fastened while the item is worn. The clasp must be inspected by a jeweller every 12 months. If this is not adhered to we
reserve the right to reject your claim.
Jewellery certificate warranty
Before your cover starts, you must provide us with a valuation certificate from a registered jeweller or valuator. If you
do not, we will not pay you more than the amount stated in the schedule for jewellery, gold, silver, platinum, watches,
and precious or semi-precious stones.