Page 22 - Hollard Business Branch Policy Wording

Fire
DEFINED EVENTS
FIRE
Damage to the whole or part of the property described in the Schedule, owned by the Insured or for which they are legally responsible, including altera ons by the Insured as tenants to the building and structures, by:
1. re;
2. lightning and thunderbolt;
3. subterranean re;
4. explosion;
5. earthquake (whether arising from mining opera ons or otherwise), volcanic erup on or other convulsion, but excluding loss of or damage to property in the underground workings of any mine;
6. special perils:
6.1 storm, wind, water, hail or snow;
PROVIDED THAT:
this Policy does not cover damage to property as a result of:
6.1.1 property undergoing any process necessarily involving the use or applica on of water;
6.1.2 dal wave origina ng from earthquake;
6.1.3 in the underground workings of any mine;
6.1.4 or in the open (other than buildings, structures and plant designed to exist or operate in the open) unless speci cally insured as a separate item in the Schedule;
6.1.5 or any structure not completely roofed unless speci cally insured as a separate item in the Schedule;
6.1.6 or being retaining walls unless speci cally insured as a separate item in the Schedule;
6.2 aircra and other aerial devices or ar cles dropped therefrom;
6.3 impact by animals, trees, aerials, satellite dishes or vehicles excluding damage to such animals, trees, aerials, satellite dishes or vehicles or property in or on such vehicles;
PROVIDED THAT:
this De ned Event (special perils) does not cover:
1. wear and tear or gradual deteriora on;
2. damage caused or aggravated by:
2.1 leakage or discharge from any sprinkler or drencher system or re ex nguishing installa on/ appliances in the buildings insured hereby or in buildings containing property insured hereby exceeding R10 000 (ten thousand Rand);
2.2 subsidence or landslip;
2.3 the Insured's failure to take all reasonable precau ons for the maintenance and safety of the property insured and for the minimiza on of any damage;
2.4 mildew, damp, rise in the underground water table, rising damp, rust, corrosion or rot;
7. loss of or damage to geysers, water tanks, water apparatus, water pipes, drip trays, pans and water hea ng systems, the property of the Insured installed in the building(s) described in the Schedule;
Hollard Business Policy – Branch – Version 1 2018 Page | 21