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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. Feb 2021.
Fire
Inclusions:
Damage caused by a fire event including resultant smoke damage.
Exclusions:
Gradual damage
An item designed to be in proximity of heat
Scorching or melting - e.g cigarette burn
Loss or damage caused by smoke or soot when the home has not been damaged by fire
Storm
Inclusions:
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)
Exclusions:
Flood
Water entering through an open door or window (unless the opening was caused by the storm)
Loss or damage that was caused by power surge or fluctuation that is not a result of a lightning strike.
Gardens, retaining walls, swimming pool accessories, external paintwork that has been damaged by rainwater.
Roof not covered - Rainewater from normal rain event enters through degraded mortar (maintenance issue)
Roof Materials - Eg: Thatch, Shingles, Asbestos - Fibro Cement/ Corrugated Fibro
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
Water
Inclusions:
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.
Exclusions:
Gradual escape of water over time
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where maintenance could have prevented the damage, unless it is reasonable you would not have known about the damage
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shower base, shower recess or shower alcove, glass screening, doors, tiles or grouting or walls surrounding the shower
Damage caused by rust, corrosion, algae, mould 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
Inclusions:
Damage caused by theft or burglary.
Explosion
Inclusions:
Damage caused by the explosion.
Exclusions:
The cost of repairing or replacing the item that exploded.
Acts of terrorism.
Accidental Damage
Inclusions:
Fixed glass or ceramic item e.g window, sink, toilet.
Exclusions:
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
Inclusions:
Impact from vehicle, falling trees or parts of trees and any animal excluding domestic pets.
Exclusions:
Damage caused by the cutting of a tree or part of tree located on the insureds address.
Cost of removing or disposing of tree stumps or branches or trees that have not caused any damage
Vandalism or Malicious Damage
Inclusions:
Loss or damage caused by vandalism or malicious act.
Exclusions:
When the damage is caused by anyone invited into the home.
Damage caused during building, additions, renovation or alteration work.
If it is an external common area.
Structures
Inclusions:
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.
Exclusions:
Unpaved paths or driveways.
Fences and gates that are not structurally sound or well maintained.
Vacant buildings.
Buildings under construction.
Fixtures
Inclusions:
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.
Satellite dishes and antennas
Exclusions:
Carpets, rugs and internal blinds are not covered under a building claim.
Landscaping
Inclusions:
Trees, shrubs, plants that are planted in the ground.
Exclusions:
Loss or damage caused by storm, rainwater or run-off, flood, cyclone, tsunami.
Grass or lawn
Retaining Walls
Loss or damage from a watering system or a hose.
Flooring
Inclusions:
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.
Exclusions:
Carpets and loose coverings are not covered under building unless it’s a landlord policy.
Adjoining rooms that are separated by an actual wall, doorway, archway or other opening to the damaged area.
General Exclusions
Wear and Tear including depreciation, gradual deterioration wear and tear or lack of maintenance.
Any business or occupation operating from either the main residential building OR a separate building at the insured address other than:4 Registered family day care up to limit of 6 children.4 Surgery up to limit of 1 employee and/or 2 business rooms.4 Home office up to limit of 1 employee and/or 2 business rooms.
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.
When it is not possible to repair or rebuild your property with original materials,
we will use the nearest equivalent materials available in Australia.
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.
Loss or damage caused by a tsunami or tidal wave following an earthquake. Action of the sea, high water or underground water.
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.