Page 42 - Hollard Namibia – Motor & Household Policy Wording

Buildings
Theft
Theft of any part of the building
You are covered for the theft (or attempted theft) of any part of the building – for example, the motor of your gate, the bricks of your driveway or the fitted carpets in your house.
However, this excludes theft by any of the tenants and persons residing with them.
Subsidence and landslip (Limited cover)
You are covered for loss or damage to the building caused by subsidence, landslip or heave of the land supporting it.
You are not covered if this is caused by:
o normal settlement, shrinkage or expansion of the building; o structural alterations, additions or repairs;
o the insufficient compaction of infill;
o defective or faulty design, materials or workmanship;
o alterations, additions or repairs to any building;
o excavations other than mining operations;
o removal or weakening of support to the building;
o contraction or expansion of clay or similar types of soil due to the moisture or water content; o 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 main building is damaged at the same time by the same event;
 loss or damage to solid floor slabs or any part of the building resulting from the movement of the slabs, unless the foundation supporting the external walls is 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.
Subsidence, landslip and heave
Subsidence means sinking – i.e. the vertical, downward movement of soil. It includes settlement, which is a lateral movement.
Landslip means the sliding down of a mass of land. It is, in effect, a small landslide, and it typically occurs on a slope. Heave means the upward movement of soil supporting the dwelling.
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