Page 56 - Bay Union - Platinum Policy Wording
P. 56

Sec on 1 – Home
○ We do not pay for seepage of water caused by water seeping or running:
– through the earth (some mes called hydrosta c water seepage)
– through or down the sides of earth or earth  ll that is up against your home
– down the sides or underneath swimming pools or spas causing them to move, change shape or li  or leak
– up against or through retaining walls and forcing them to move or crack.
○ We do not pay for storm, hail or  ood damage to:
– free-standing walls with no suppor ng pillars or structures
– the surface of a tennis court
– a wharf, je y, pontoon or sea wall
– water in a tank, swimming pool or spa
– liners or covers for swimming pools or spas
– paint when there is no structural storm damage to other parts of the home
– unroofed or par ally roofed structures
– gates, fences or wall fences that were in a state of disrepair which would have been obvious to a reasonable person before the damage occurred.
○ Wedo
or someone that does not form part of the household unless violence or force is used.
not pay for the  or misappropria on by your tenants, paying guests, house si ers, domes c employees
○ Home unoccupied
We do not cover loss or damage that occurs a er your home has been unoccupied for longer than 60 consecu ve days unless you have told us about this and we have agreed to provide cover in wri ng and you have paid any addi onal premium we may require.
○ Property occupied by tenants
We will not be liable for any loss of damage resul ng from malicious damage and loss or damage as a result of
the  or a empted the  unless there is clear evidence of violent and forced entry or exit.
54 Bay Union – Pla num Policy Wording – 24 October 2016

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