Page 46 - Hollard Namibia – Motor & Household Policy Wording

Buildings
o any item or parts of an item that have a short lifespan, such as:  batteries, bulbs, pilot lights, globes, clocks;
 speakers, tapes, ribbons;
 hoses, fuses, accessory cables;
 air and water filters;
 belts, knobs, screen protectors;
 obsolete and / or removable spare parts.
Matching building materials
We will repair your building to match its previous state, in style and quality, when the building is damaged by an insured event. This will apply to the part of the building where the style and quality have been affected by the non-availability of precisely matching building materials, up to the amount stated in the LIMIT SECTION.
What is not covered
Events not covered
Loss or damage due to:
o alteration, misuse, mechanical, electrical or electronic breakdowns, failures or breakages, unless cover is specifically provided;
o fluctuations in atmospheric or climate conditions, or the effects of light;
o slowly operating causes such as but not limited to rust, mildew, moth, corrosion or decay; o vermin, insects, pests or the actions of your own domestic pets;
o scorching, charring, melting, burning or smoke without flames.
Building maintenance and construction
We will not pay if the building is not being maintained properly or if the building is of non-standard construction, unless stated in the SCHEDULE.
Matching building materials
We will not pay where matching building materials are not available. We will not pay for the costs to create a uniform effect. This exclusion will not apply if you selected the optional cover to include matching building materials.
Temporary structures
We will not pay for loss of or damage to temporary structures such as tree houses.
Weeds or roots
We will not pay for damage caused by weeds or roots.
Un-occupancy of more than 60 days
We will not pay if the domestic home is unoccupied for more than 60 (sixty) consecutive days, unless we agreed to provide cover and is stated in the SCHEDULE. The domestic home is regarded as unoccupied when you and any of the people who normally live there are not at home. The presence of a domestic worker in the domestic quarters or outbuildings does not qualify that the building is occupied.
Example
If a pipe in the bathroom burst and precisely matching tiles are unavailable, we will pay for the entire bathroom to be re-tiled up to the amount stated in the LIMIT SECTION.
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