Page 32 - Execuline - Classic Policy Wording

Buildings
1. Fire
Fire, lightning or explosion
You are covered for building damage that is caused by fire, lightning or explosion.
2. Weather
Storm, wind, water, hail, etc.
You are covered for building damage that is caused by storms, as well as related activity such as wind, water, hail, snow and flooding.
However, this excludes loss or damage:
○ to gates, fences or retaining walls
○ caused by movement of the land supporting the building, even if it is caused by storm or flooding (this
exclusion does not apply to the removal of land supporting the building by flowing surface water)
○ caused by subsidence or landslip, unless stated in the schedule.
3. Earthquake
You are covered for building damage that is caused by an earthquake.
4. Impact
Impact with the building; falling trees
You are covered for building damage that is caused by sudden impact. Examples are a tree falling onto the building or a wall collapsing onto a part of your property. However, the cover does not apply if the event is caused by outside agents – for example, tree fellers or building contractors – in the course of work they are doing for you.
5. Leaks, flooding
Overflowing of water apparatus; leakage of oil
You are covered for building damage that is caused by leaks and flooding. Examples are bursting pipes, overflowing water tanks, exploding geysers and sudden leakage of oil from heaters.
However, this cover does not include loss or damage to the leaking items. So if a leaking oil heater damages your parquet floor, we will pay for repairing or replacing the floor, but not the heater.
Damage to geysers caused by bursting is covered up to the amount in the LIMIT SECTION.
30 HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015