Page 38 - Bay Union - Prestige Policy Wording
P. 38

BUILDINGS
1. Fire
Fire, lightning or explosion
You are covered for building damage that is caused by  re, lightning or explosion.
2. Weather
Storm, wind, water, hail, etc.
You are covered for building damage that is caused by storms, as well as related activity such as wind, water, hail, snow and  ooding.
However, this excludes loss or damage:
○ to gates, fences or retaining walls unless it has been approved and constructed in accordance
with national building regulations
○ caused by movement of the land supporting the building, even if it is caused by storm or  ooding
(this exclusion does not apply to the removal of land supporting the building by  owing surface water)
3. Earthquake
Excludes effects of mining operations
You are covered for building damage that is caused by an earthquake. This excludes the effects of any earth tremors that result from mining operations in the area.
4. Impact
Impact with the building; falling trees
You are covered for building damage that is caused by sudden impact. Examples are a tree falling onto the building or a wall collapsing onto a part of your property. However, the cover does not apply if the event is caused by outside agents – for example, treefellers or building contractors – in the course of work they are doing for you.
5. Leaks,  ooding
Over owing of water apparatus; leakage of oil
You are covered for building damage that is caused by leaks and  ooding. Examples are bursting pipes, over owing water tanks, exploding geysers and sudden leakage of oil from heaters. This includes damage to the pipes, water tanks, geysers and oil heaters up to the limit in the LIMIT SECTION.
35 Bay Union - Prestige Policy Wording - 20 June 2012


































































































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