Page 45 - Hollard Private Portfolio - Version 3.4

Buildings
You must tell us of the actions of your tenants
You must tell us as soon as possible if your insurance risk might be affected by the actions or neglect of your tenant living on the property. An example is if your tenant changes the security measures. In such cases, we may impose additional terms, conditions and exclusions.
Notify us about any improvements to your buildings
If you increase the value of your buildings through any alterations, extensions or improvements, we will increase your cover by up to the percentage stated in the Schedule, provided that you tell us immediately and pay any additional premium required.
Comply with national building regulations
You must take all reasonable steps to ensure that the buildings comply with National Building Regulations, and that your building plans have been approved by the local authority. Generators, for example, must be fitted according to the latest published SANS standards. The installation must be done by a qualified electrician and you must be supplied with a SANS compliance certificate.
Subsidence and landslip – Limited and Extended cover
○ If you are required to do so, you must prove that the loss or damage you are claiming for was caused by subsidence, landslip or ground heave.
○ If during the construction of the building or any subsequent additions to the building the services of an engineer was necessary to meet Building Regulations, the buildings and outbuildings must meet the engineer’s requirements. If they do not, your subsidence, landslip and ground heave cover may be affected.
Surge protection requirements
If you choose to install a surge protector, it must be as per the SANS/IEC 61643-11 low voltage surge protection standards,
installed on the main electrical distribution board and the device must:
○ Be a type 2 device.
○ Be designed to withstand at least peak surge currents of 40kA (/max).
○ Be wired in terms of SANS 10142-1 Connection type 2.
○ Have a status indicator to indicate if the protector is operational or not.
○ Be installed by a registered electrician who must provide either of the following:
– A Certificate of Compliance for the installation.
– Proof of installation stating the adherence to the required electrical standards and regulations at the time that the device was installed, as well as complete the Surge arrester checklist form, which you can request from your broker.
The Certificate of Compliance or proof of installation must be provided to your broker soon after the device was installed. If you are not able to provide proof of installation or have not met the surge protection requirements, your cover will be limited, and you will have to pay an excess for power surge claims.
Installation of renewable energy equipment and/or a photo-voltaic systems
If you have permanently fitted renewable energy equipment to the home, cover is subject to the following conditions:
○ We do not cover loss or damage to solar installations that are fitted on a thatch roof.
○ We do not cover loss or damage to solar geysers or hybrid solar system installations where the roof structure was not capable of bearing the additional weight of the installation.
○ The equipment must be installed by a registered electrician who must provide either one of the following:
– A Certificate of Compliance for the installation.
– Proof of installation stating their adherence to the required electrical standards and regulations at the time the device was installed.
Any items forming part of the installation of renewable energy equipment that are intended to be kept or used outdoors, are covered for theft even if there are no visible signs of forcible or violent entry to or exit from the main building or the property.
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