Page 51 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 1 – Home
○ Removal of fallen trees
We will upon our authorisation pay up to the limit stated in the schedule to remove:
– fallen trees from your insured address
– trees at the insured address that are threatening to fall and cause damage to your residence, or
– trees in your garden at the insured address that are threatening to fall and cause damage to your neighbour’s
residence,
provided that the cause of the tree falling is as a result of fire, lightning, explosion, storm, wind, water, hail or
snow, up to the limit stated in the schedule.
○ Subsidence, landslip or ground heave standard cover
If we agree to give the cover it will be stated in the schedule and an additional premium will be payable. This cover
forms part of the sum insured for your home. We may request the completion of an additional questionnaire. We
will cover any damage or destruction caused by subsidence, landslip or ground heave of the land supporting the
buildings but excluding:
– loss or damage to boundary, retaining and garden walls, gate posts, fences, driveways, paving, swimming
pools, tennis courts, septic or conservancy tanks, drains, paths and terraces, paving and swimming pool
surroundings
– damage caused as a result of the contraction and/or expansion of active soils due to the moisture or water
content of such active soils as is experienced in clay and other similar types of ground
– loss of or damage to solid floor slabs or any other part of the home resulting from the movement of such
slabs, unless the foundations supporting the external walls of the home are damaged by the same cause
at the same time
– work necessary to prevent further loss or damage due to subsidence or landslip except where appropriate
design precautions were implemented during the original construction of the home and any subsequent
additions thereto.
We further do not cover loss or damage caused by or arising from the following:
•
normal settlement of a structure
•
the inadequate compaction of infill or construction
•
damage which existed prior to the commencement of the policy
•
the removal or weakening of support to any home
•
excavations on or under land other than mining operations
•
defective design, materials or workmanship
•
alterations, additions or repairs to the home.
If you are required to do so, you must prove that the loss or damage you are claiming for was caused by subsidence
and landslip or ground heave.
The excess stated in the schedule applies to this cover.