Page 38 - Hollard Private Portfolio - Version 3.4

Pest contamination
We will pay for professional extermination and control of pests caused by a sudden and unexpected infestation of your buildings that:
○ Is a risk to your health.
○ Can lead to loss or damage to your home.
○ Makes your home uninhabitable.
This cover does not apply to infestations of termites or woodborer, or if your buildings have been unoccupied for more than 60 days, unless your home is listed as a holiday home in your policy schedule.
Power surge
We will cover you for loss or damage to the buildings caused by power surge. An excess, as shown in your policy schedule, will apply if you do not install an approved surge protection device on the main electrical distribution board. Please refer to the Surge protection requirements under the Your specific responsibilities section.
Professional cleaning services
We will cover the costs for a service provider to clean your home if it is soiled or stained during a home invasion or while you are assaulted by a third party. If we are unable to successfully clean your home, we will repair or replace the soiled or stained item, up to the limit.
Public supply or mains connection
We will pay for loss or damage to water, sewerage, gas, electricity, fibre or telephone connections belonging to you, or for which you are responsible, between your premises and the public supply.
Removal of fallen trees
We will pay for the cost of removing fallen trees from your property after an insured event. This is provided that the costs are necessary and reasonable, and that you first obtain our written consent.
Restoring of soil
We will cover the reasonable costs to restore soil or earth to your risk address that we consider necessary in order to repair insured damage to your building. For example, soil supporting your retaining wall that has been washed away after a flood.
Security guards
We will pay the reasonable and necessary costs to hire security after an insured event, provided the loss gives rise to a claim.
Temporary emergency measures
We will pay for the reasonable costs of temporary emergency measures you carry out to protect or prevent further loss or damage to your buildings after an insured event under this policy section. The following conditions apply to this benefit:
○ We will only pay back the costs if we accept the claim for the loss or damage after an event.
○ You must give us a detailed invoice for the costs you incurred for the temporary emergency measures.
Example of temporary emergency measures: Temporary fencing put up after a vehicle drove through a boundary wall. Tracing of water leaks
We will pay for the cost of tracing the source of a water leak, provided that it originated after your cover started. We will also pay for the cost to repair the damage caused to trace the leak, such as patching a hole in the wall which was made by the plumber to get to the leak. However, we will not pay for the actual repair of the leak once it has been located, this will be your responsibility.
Trauma counselling benefit
We will pay for professional counselling to help you and your domestic employees to cope with trauma following a violent and traumatic event, such as theft, fire or a home invasion at your premises.
This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership.
Buildings
36 Hollard Private Portfolio – Version 3.4 – 17 Aug 2023