Page 46 - Personal Underwriting Mandates & Guidelines - Binder product rules & addendums - Version 1

6.16 Escape of oil from a fixed oil heater or associated apparatus
Damage caused to insured property by the oil escaping as described above.
6.17 Burglary or theft or any attempt thereat, but excluding whilst the property insured is let, or sub-let by you, or is occupied by any other person
6.17.1 Burglary: When someone enters a building illegally with the intent to commit a felony; robbery by burglary. Burglary is usually accompanied by force.
6.17.2 Theft: Stealing, dishonest appropriation of another’s property with intent to deprive him of it permanently. Theft usually occurs without force.
6.18 Malicious damage
Damage occasioned by active ill-will, or by the wilful and wanton act of another party other than the insured and without the knowledge and/or consent of the insured.
6.19 Subsidence
The downward movement of a site on which buildings stand, from causes unconnected with loading from a building. Examples are underground mining and erosion due to water passing through the subsoil, but excluding the compaction of ground or infill. Most policies exclude damage due to mining operations.
6.20 Landslip
Downward movement of sloping ground resulting from the action of self-weight stresses and imposed loadings exceeding the available strength of the ground. Landslip may be triggered by the application of superimposed loadings from buildings or may be induced by excavating into sloping ground with the result that material fails and moves down the slope.
6.21 Settlement (NOT COVERED)
The downward movement of the site due to the application of superimposed loadings from a building; it is the wholly natural effect of superimposing a load on a site and is predictable.
6.22 Ground heave (NOT COVERED)
Upward movement or expansion of the site due to the removal of load from it or to actions within the site itself. An example is the rehydration of a shrinkable clay subsoil following the removal of mature trees or hedgerows.
6.23 Rise in underground water level (NOT COVERED)
When the water table rises due to a downpour of water or continuous downpour over a period, this may or may not be visible. Rising groundwater can cause resulting pressure and any damage caused by this rise in underground water or the resultant pressure is normally excluded from cover.
6.24 Accidental damage
Damage that occurs suddenly as a result of an unexpected and non-deliberate external action. In layman’s terms, that usually means an unintentional one-off incident that harms your property or its contents, such as damage arising as a result of an accident, for example paint spilt on a carpet.
7. MOISTURE CONTROL
7.1 Where there has been extensive water damage due to an insured peril, and the damage appears to be mainly water damage (for example, no additional excess rubble, mud, etc.), then moisture control becomes a viable option of remedy to the situation.
7.2 With moisture control one is able to dry out the interiors of the buildings and save furniture, electric and electronic equipment, and stop capillary water into walls, save carpets, and reduce refurbishment costs.
7.3 When does this become an option?
7.3.1 7.3.2
Heavy rainstorms causing flooding Hail storms that create flooding
Non-motor Claims Procedures
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Full Binder Claims Mandates and Guidelines – V3: 2019