Page 53 - Policy Wording - Hollard Prestige Portfolio

51
Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 1 – Home
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 asked 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.
What is not covered
○ We will not cover any loss or damage caused by or consisting of:
– dryness or moisture, exposure to light or extreme temperatures unless the loss is caused by storm or fire
damage
– anything that happens gradually, including smoke and dust damage, rising damp, fungus or mildew, mould,
decay, action of light, atmospheric or climatic conditions, corrosion, rot or a rise in the underground water
table
– scratching, chipping, chewing, tearing, disfiguration or discolouration and cracking or denting
– coastal or river erosion, rust or corrosion
– gradual deterioration, lack of maintenance, depreciation or wear and tear
– infestation, vermin, rats, mice, insects, pests or domestic pets
– roots and weeds
– loss, damage or deterioration of an item caused by any process of cleaning, repairing, restoring, dyeing,
bleaching or alteration
– cracking or collapse of buildings, tennis courts or driveways
– any additional costs resulting from the unavailability of matching materials
– pollution or contamination
– chemicals, fertilisers and pesticides that have been used or applied
– subsidence, landslip or ground heave unless it is stated in your schedule.
○ We do not cover accidental loss or damage:
– due to cracking or scratching of sanitary ware or glass except for fish tanks.