Page 41 - Personal Underwriting Mandates & Guidelines - Binder product rules & addendums - Version 1

Non-motor Claims Procedures
4.22 Ground heave (NOT COVERED)
Upward movement or expansion of the site due to the removal of load from it or to ac ons within the site itself. An example is the rehydra on of a shrinkable clay sub-soil following the removal of mature trees or hedgerows.
4.23 Rise in underground water level (NOT COVERED)
When the water-table rises due to a downpour of water or con nuous downpour over a period, this can be visible or not. Rising groundwater can cause resul ng pressure and any damage caused by this rise in underground water or the resultant pressure is normally excluded from cover.
4.24 Accidental Damage
Damage that occurs suddenly as a result of an unexpected and non-deliberate external ac on. In layman's terms, that usually means an uninten onal one-o incident that harms your property or its contents, such as damage arising as a result of an accident, for example paint spilled on a carpet.
5. MOISTURE CONTROL
5.1 Where there has been extensive water damage due to an insured peril, and the damage appears to be mainly water damage (for example, no addi onal excess rubble, mud, etc.), then moisture control becomes a viable op on of remedy to the situa on.
5.2 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.
5.3 When does this become an op on?
5.3.1 Heavy rainstorms causing ooding
5.3.2 Hail storms that create ooding
5.3.3 Burst geysers
5.3.4 Water damage in re claims
5.3.5 Burst pipes (where this is covered).
5.4 Moisture control is e ected by the use of dehumidi ers, and in the process it prevents rot (dry as well as wet) from se ng in, as well as rust and corrosion. There have been examples of parquet ooring being salvaged due to this process. Surplus water is removed, general clean-up measures are taken and then the dehumidi ers are set to work. What makes this process a rac ve is that normal life can con nue while the drying out takes place.
5.5 Other bene ts include that it is:
5.5.1 faster
5.5.2 cost-e ec ve
5.5.3 less damaging
5.5.4 less disrup ve as there is no use of heat.
6. GEYSER CLAIMS
There has been a fair amount of discussion rela ng to geysers, how a claim might occur, when cover is valid or not, etc.
6.1 Insurance Policy wordings usually provide cover for geysers:
6.1.1 Loss or damage to geysers by an insured peril provided that:
6.1.1.1 the Insurer's liability in terms of this loss be limited to Policy speci ca on
6.1.1.2 with an excess as speci ed, where applicable.
Binder Claims Mandates and Guidelines – 2015/2016
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