Page 44 - Bay Union - Prestige Policy Wording
P. 44

In addition, we are not liable for:
○ loss or damage to swimming pools and surrounds, tennis courts, terraces, patios, paths, driveways, septic or conservancy tanks, drains, water courses, walls, gates, posts and fences or retaining and screening walls – unless the building is damaged at the same time by the same event
○ loss or damage to solid  oor slabs or any part of the building resulting from the movement of the slabs, unless the foundation supporting the external walls are damaged by the same cause at the same time
○ damage that existed before your cover started
○ work necessary to prevent further loss or damage from subsidence, landslip or heave, except where appropriate design precautions were implemented during the original construction of the building or any subsequent additions to it.
If required, you will have to prove that the loss or damage being claimed for was caused by subsidence, landslip or heave.
Temporary repairs and security
We will pay for temporary repairs and security measures after a loss caused by an insured event.
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 damage caused to trace the leak such as repairing tiles or walls.
Water leakage from underground pipes
We will pay for any additional charges on your municipal water bill that result from leakage of underground pipes on your property. This is subject to the following conditions:
○ the additional charge for the latest quarter must exceed the average of the last four quarters by at least 50%
○ the additional charges are not caused by:
■ leaking taps, geysers, toilet systems or swimming pools;
■ loss of water from swimming pools or their pipes.
○ your home is not unoccupied for more than 60 days
○ You immediately trace the leak and have it repaired
○ we will not pay for more than one event every 12 months. 41
Bay Union - Prestige Policy Wording - 20 June 2012

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