General Policy Disclosure - Inclusions & Exclusions

Disclaimer: The content of this reference material is meant to provide a guide for typical inclusions and exclusions and may not be an accurate representation of the insurance policy held by the customer or provided by the insurance company.  Handdii accepts no liability for any aspect of your recommendation and you must base your claim determination recommendation upon your professional opinion and the cause of the damage as evidenced. April 2020.



Damage caused by a fire event including resultant smoke damage.


Gradual damage

An item designed to be in proximity of heat

Scorching or melting - e.g cigarette burn



Damage caused by a storm, wind, hail, rainwater or snow.

Roof coverage - Wind lifts tiles and water blows in to property through the opening.
Wind pulls off tile and water enters property.
Gutter overflow due to volume of rain (gutters in good condition and relatively clear)



Water entering through an open door or window (unless the opening was caused by the storm)

Gardens, retaining walls, swimming pool accessories, external paintwork that has been damaged by rainwater.

Roof not covered - Rainwater from normal rain event enters through degraded mortar (maintenance issue)
Rainwater enters through gap in roof that has obviously been temporarily sealed with silicone and the silicone has failed. Basically, a temporary fix that was left too long.
Rainwater enters through a window left open during the storm (no storm created opening)
Rainwater enters through old screw hole with no screw or degraded screw seal



Bursting, leaking or overflowing of dishwasher, washing machine, fixed tanks, radiators and oil heaters, fixed pipes, waterbeds and aquariums.


Reasonable cost for a non-invasive inspection to locate the source of the damage.


Gradual escape of water over time

  • where maintenance could have prevented the damage

  • shower base, shower recess or shower alcove, walls surrounding the shower

Damage caused by rust, corrosion, algae, mold or mildew.

The cost of repair or replacement of a defective part that caused the damage or any broken main or pipe.

Issues with failed waterproof membrane, sealant or grout.

Theft or Burglary


Damage caused by theft or burglary.



Damage caused by the explosion.


Acts of terrorism.

Accidental Damage


Fixed glass or ceramic item e.g window, sink, toilet.


Tiled shower bases, cracks, scratches or chips.

Glass in a glass house or conservatory.

Damage caused by domestic animals, tree roots, settling or shrinkage in buildings, foundations, pavements or walls.



Impact from vehicle, falling trees or parts of trees and any animal excluding domestic pets.


Damage caused by the cutting of a tree or part of tree located on the insureds address.

Vandalism or Malicious Damage


Loss or damage caused by vandalism or malicious act.


When the damage is caused by anyone invited into the home. 

If it is an external common area.



The home building including garages, car ports, sheds and granny flats.

Gas, Water and Electrical services.

Decks, verandas, pergolas, gazebos, patios and terraces.

Gates, fences, free-standing walls and retaining walls.

Paved paths and driveways.

swimming pools (permanently installed), fixed spas and saunas.

Tennis courts.

Water tanks, sewage, storage or treatment tanks.

Permanently fixed jetties.

Other structural improvements.


Unpaved paths or driveways.

Vacant buildings.

Buildings under construction.



Ceiling, wall, floor coverings, fixed external blinds and awnings.

Built-in furniture, clothes lines and built in barbecues.

Plumbed, wired or gas fitted permanent appliances i.e. air-conditioner, heating systems, ovens, hot-water systems, plumbed refrigerator.

Solar panels and antennas.


Carpets, rugs and internal blinds are not covered under a building claim.



Trees, shrubs, plants that are planted in the ground.


Loss or damage caused by storm, rainwater or run-off, flood, cyclone, tsunami.

Grass or lawn (unless part of tennis court).



Coverage to the nearest architectural break from the damaged area.

Fixed floor coverings including hardwood, laminate, floating floors fixed by beading or under skirting boards.


Carpets and loose coverings are not covered under building unless it’s a landlord policy.

Adjoining rooms that are separated by an actual doorway to the damaged area

General Exclusions

Wear and Tear including depreciation, gradual deterioration wear and tear or lack of maintenance. 


Note: if you are recommending that the damage is due to maintenance please include a detailed description of the cause of damage and both close up and perspective photo’s showing the damage and the overall cause. 


Inherent defects including faulty design, structural defects or poor workmanship


Deliberate intentional malicious or criminal acts by a person living at the dwelling, invited to the property or acting with complied consent


Soil movement


Damage caused by insects, birds, and vermin including native animals

Building Code

The insurance company may consider contributing toward the necessary costs of meeting requirements of any statutory authority that relate directly to the destroyed or damaged part of the building.  A trade should put a cost and recommendation to the insurance company for consideration.