Page 55 - Policy Wording - Hollard Prestige Portfolio 1.4

Section 1 – Home
Optional cover
The following cover needs to be specifically requested by you and requires the completion of an additional questionnaire. If we agree to give the cover it will be stated in the schedule and an additional premium will be payable.
○ Subsidence, landslip or ground heave extended cover
(if stated as included in your schedule)
We will cover any damage or destruction caused by subsidence, landslip or ground heave of the land supporting the buildings, outbuildings and garages including driveways, paving, swimming pools and tennis courts but excluding:
– loss or damage to boundary, retaining and garden walls, gate posts, fences, septic or conservancy tanks, drains, paths and terraces, paving and swimming pool surroundings unless the buildings are damaged at the same time
– damage caused as a result of the contraction and/or expansion of active soils due to the moisture or water content of such active soils as is experienced in clay and other similar types of ground except where Geotechnical Engineering design precautions have been implemented during construction
– loss of or damage to solid floor slabs or any other part of the home resulting from the movement of such slabs, unless the foundations supporting the external walls of the home are damaged by the same cause at the same time
– work necessary to prevent further loss or damage due to subsidence or landslip except where appropriate design precautions were implemented during the original construction of the home and any subsequent additions thereto.
We further do not cover loss or damage caused by or arising from the following:
• • • • • • •
normal settlement of a structure
the inadequate compaction of infill or construction
damage which existed prior to the commencement of the policy the removal or weakening of support to any home
excavations on or under land other than mining operations defective design, materials or workmanship
alterations, additions or repairs to the home.
If you are asked
and landslip or ground heave.
to do so, you must prove that the loss or damage you are claiming for was caused by subsidence
The excess stated in the schedule applies to this cover.
Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023 53