Page 41 - Hollard Private Portfolio - Version 3.4

Buildings
○ Malicious damage or vandalism to unfinished building alterations, renovations or additions.
○ Cracking, collapse, subsidence, landslip or ground heave caused fully or partially by the alterations, renovations
and additions.
○ Water, storm or flooding of the home due to any unfinished alterations, renovations or additions to the home.
Building regulations
The building must comply with the National Building Regulations. There is no cover if the cause of the claim is in any way related to either of the following:
○ Defects in the design or construction of the building.
○ The structure of the building is not compliant and would not have been approved by the relevant local authority
at the time of construction.
Chemicals, fertilisers and pesticides
We do not cover loss or damage caused by the use or application of chemicals, fertilisers and pesticides.
Damage as a result of changes in the water table
We do not cover loss or damage caused by changes in the water table, except as a result of a storm.
Fixed machinery
We will not pay for loss or damage to fixed machinery directly or indirectly caused by:
○ Using tools or machinery in an incorrect manner.
○ Purposefully overloading the fixed machinery.
For example, we would not cover a generator that overheats if it is not protected against overload by means of a circuit
breaker.
Impact by trees
We will not cover impact damage to your building caused by fallen trees where you have arranged for the trees to be chopped down.
Occupancy
If your property is unoccupied, the following conditions apply:
○ There is no cover for theft if you leave the property unoccupied for more than 60 consecutive days, unless the building is listed as a holiday home in your policy schedule. We may apply new conditions if you ask us to extend cover for longer than 60 consecutive days and we agree.
○ There is no cover if the property is vacant, abandoned or illegally occupied. Storm, hail or flood damage
We do not cover storm, hail or flood damage to the following:
○ The quality of water in a tank, swimming pool or spa. For example, your pool water that turns green after a thunderstorm.
○ Paint when there is no structural storm damage to other parts of the home.
○ Unroofed or partially roofed structures.
Subsidence, landslip or ground heave
No cover for subsidence, landslip or ground heave, if it is caused by:
○ Normal settlement, shrinkage, or expansion of the building.
○ Structural alterations, additions, or repairs.
○ The inadequate compaction of infill or construction.
○ Damage which existed before your policy started.
○ The removal or weakening of support to the building.
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