Page 63 - CCA Platinum Policy Wording

Buildings
In addition to the standard cover outlined in the preceding pages, you are also covered for the following, subject to the relevant conditions and limits in the LIMIT SECTION.
Damage to the garden
We will pay for any damaged trees, shrubs or plants that need to be replaced after a valid claim, so long as the claim wasn’t caused by theft or attempted theft.
Demolition and professional fees
If your home has to be demolished as a result of a claim settlement, we will pay the following additional costs that you may have to incur, provided you get our written consent:
○ demolishing the building, removing debris and erecting hoardings required for building operations
○ fees for the services of architects, quantity surveyors, consulting engineers and local authorities
○ any actions required by a public authority.
Emergency-services expenses
We will pay for the costs charged by any emergency-services provider – such as the fire brigade – that has to be called in to respond to an insured event.
Gate motor or garage-door motor
We will pay for the repair or replacement of your electric gate motor or your garage-door motor, in the event of accidental damage.
Liability to third parties
You are covered as a property owner for liability to third parties, such as members of the public. The details are described under the Personal Liability section on page 104.
Public supply or mains connection
We will pay for loss or damage to water, sewerage, gas, electricity or telephone connections belonging to you, or for which you are responsible, between your home 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. The limit applies to any 12-month period.
Rent
If your home becomes uninhabitable because of damage to the building, we will cover you for the rental cost of living in alternative similar accommodation. This cover will apply until the building becomes habitable once more.
Similarly, if any building on your property that earns you rental income – for example, a cottage – becomes uninhabitable, you will be covered for the loss of that rental income. This cover will apply until the building in question becomes habitable once more.
The cover in this section does not apply when the building or any of the outbuildings are being structurally altered.
HBM – CC&A Plain Language – 23 June 2014 61