Common use of Buildings and Contents Clause in Contracts

Buildings and Contents. Unless otherwise stated the Policy Excess shown in the schedule applies to all claims under this section. Other than 'W hat is not insured', the buildings and contents are insured for the amounts shown in the schedule against loss or damage caused by the events in paragraphs 1 – 11 and paragraph 12 if the cover is shown as included on the schedule. 1. Fire, smoke, lightning, explosion or earthquake. Smoke damage caused by: • agricultural or industrial operations, any gradually operating cause, or smog. 2. Storm or flood. Loss or damage: • caused by frost, subsidence, ground heave or landslip, • to gates, fences or xxxxxx, • due to wear and tear or gradual deterioration. • to roofs constructed with torch-on, mineral or other felt exceeding 10 years of age, We will not pay for the cost of removing any fallen trees or branches unless the tree or branch has caused damage to the buildings. 3. Subsidence or ground heave of the site on which the buildings stand or landslip. Loss or damage in respect of apartment blocks (purpose built or converted). Loss or Damage: • caused by settlement due to building load, bedding down, coastal, lake or river erosion, structural alterations or repairs or demolition, defective design and/or construction, defective or inappropriate foundations and the use of faulty materials, • caused by building on made-up ground or filled-in land, or caused by tunnelling work • to walls, gates, fences, xxxxxx, terraces, patios, drives, paths, tennis hard courts or swimming pools unless liability is admitted under the policy for loss or damage to the home from the same cause occurring at the same time, • to floor slabs unless the foundations beneath the walls are damaged at the same time by the same cause, • to contents unless the home is damaged at the same time by the same cause • associated with such causes arising prior to inception of this policy. Loss or damage if any part of the buildings suffered previous loss or damage by subsidence, ground heave or landslip unless same has been disclosed to and accepted by us. The Subsidence Excess shown on the schedule applies to this cover. 4. Stealing or attempted stealing. Loss or damage: • while any part of the home is lent, let or sub-let, unless entry to or exit from the home is made using violence and force, • caused by a member of the household other than domestic staff. • caused after the home is left unoccupied for more than 30 consecutive days, • while the home is unfurnished. 5. Riot, civil, labour or political disturbance. 6. Vandals or malicious people. Loss or damage caused: • by someone lawfully on the premises, • by any modifications to the premises, • after the home is left unoccupied for more than 30 consecuti ve days. • while the home is unfurnished. 7. Escape of water from or the bursting of any fi xed domestic Loss or damage: water or heating installation. We will also pay for the escape of water from any washing machine, dishwasher, refrigerator, freezer, or fixed fish tank. • caused after the home is left unoccupied for more than 30 consecutive days. • while the home is unfurnished. • to any fi xed domestic water or heating installation due to wear and tear, rust, or gradual deterioration. • to tiles, walls, floors and ceilings caused by the gradual leakage or seepage of water from all fixed sanitary ware units including baths and shower units. Loss or damage from subsidence, ground heave or landslip that results from escape of water The W ater Damage Excess shown on the sc hedule applies to this cover. 8. Escape of oil from any fixed domestic heating installation. Loss or damage: • caused after the home is left unoccupied for more than 30 consecutive days. • while the home is unfurnished. • to any fi xed domestic heating installation due to wear and tear, rust, or gradual deterioration. 9. Collision by aircraft, other aerial devices, road or rail vehicles, or articles falling from them, or by anim als. Loss or damage caused by your pets. 10. Falling trees or branches. • Loss or damage to gates, fences or xxxxxx. • Damage caused by felling or lopping of trees. 11. Falling aerials, aerial fittings or masts • We will not pay for the cost of removing any fallen trees or branches unless the tree or branch has caused dam age to the buildings.

Buildings and Contents. Unless otherwise stated the Policy Excess shown in the schedule applies to all claims under this section. Other than 'W hat is not insured', the buildings and contents are insured for the amounts shown in the schedule against loss or damage caused by the events in paragraphs 1 – 11 and paragraph 12 if the cover is shown as included on the schedule. 1. Fire, smoke, lightning, explosion or earthquake. Smoke damage caused by: • agricultural or industrial operations, any gradually operating cause, or smog. 2. Storm or flood. Loss or damage: • caused by frost, subsidence, ground heave or landslip, • to gates, fences or xxxxxx, • due to wear and tear or gradual deterioration. • to roofs constructed with torch-on, mineral m ineral or other felt exceeding 10 years of age, We will not pay for the cost of removing any fallen trees or branches unless the tree or branch has caused damage to the buildings. 3. Subsidence or ground heave of the site on which the buildings stand or landslip. Loss or damage in respect of apartment blocks (purpose built or converted). Loss or Damage: • caused by settlement due to building load, bedding down, coastal, lake or river erosion, structural alterations or repairs or demolition, defective design and/or construction, defective defecti ve or inappropriate foundations and the use of faulty materialsm aterials, • caused by building on made-up ground or filled-in land, or caused by tunnelling work • to walls, gates, fences, xxxxxx, terraces, patios, drives, paths, tennis hard courts or swimming pools unless liability liabilit y is admitted under the policy for loss or damage to the home from the same cause occurring at the same time, • to floor slabs unless the foundations beneath the walls are damaged at the same time by the same cause, • to contents unless the home is damaged at the same time by the same cause • associated with such causes arising prior to inception of this policy. Loss or damage if any part of the buildings suffered s uffered previous loss or damage by subsidence, ground heave or landslip unless same has been disclosed to and accepted by us. The Subsidence Excess shown on the schedule applies to this cover. 4. Stealing or attempted stealing. Loss or damage: • while any part of the home is lent, let or sub-let, unless entry to or exit from the home is made using violence and force, • caused by a member of the household other than domestic staff. • caused after the home is left unoccupied unocc upied for more than 30 consecutive consecuti ve days, • while the home is unfurnished. 5. Riot, civil, labour or political disturbance. 6. Vandals or malicious people. Loss or damage caused: • by someone lawfully on the premises, • by any modifications to the premises, • after the home is left unoccupied unocc upied for more than 30 consecuti ve days. • while the home is unfurnished. • by any modifications to the premises. 7. Escape of water from or the bursting of any fi xed domestic Loss or damage: water or heating installation. We will also pay for the escape of water from any washing machine, dishwasher, refrigerator, freezer, or fixed fish tank. • caused after the home is left unoccupied unocc upied for more than 30 consecutive consecuti ve days. • while the home is unfurnished. • to any fi xed domestic water or heating installation due to wear and tear, rust, or gradual deterioration. • to tiles, walls, floors and ceilings caused by the gradual leakage or seepage of water from all fixed sanitary s anitary ware units including baths and shower units. Loss or damage from subsidencesu bsidence, ground heave or landslip that results from escape of water The T he W ater Damage Excess shown on the sc hedule applies to this cover. 8. Escape of oil from any fixed domestic heating installation. Loss or damage: • caused after the home is left unoccupied unocc upied for more than 30 consecutive consecuti ve days. • while the home is unfurnished. • to any fi xed domestic heating installation due to wear and tear, rust, or gradual gradu al deterioration. 9. Collision by aircraft, other aerial devices, road or rail vehicles, or articles falling from them, or by anim als. Loss or damage caused by your pets. 10. Falling trees or branches. • Loss or damage to gates, fences or xxxxxx. • Damage caused by felling or lopping of trees. 11. Falling aerials, aerial fittings or masts • We will not pay for the cost of removing any fallen trees or branches unless the tree or branch has caused dam age to the buildings.

Buildings and Contents. Unless otherwise stated the Policy Excess shown in the schedule applies to all claims under this section. Other than 'W hat is not insured', the buildings and contents are insured for the amounts shown in the schedule against loss or damage caused by the events in paragraphs 1 – 11 and paragraph 12 if the cover is shown as included on the schedule. 1. Fire, smoke, lightning, explosion or earthquake. Smoke damage caused by: • agricultural or industrial operations, any gradually operating cause, or smog. 2. Storm or flood. Loss or damage: • caused by frost, subsidence, ground heave or landslip, • to gates, fences or xxxxxx, • due to wear and tear or gradual deterioration. • to roofs constructed with torch-on, mineral or other felt exceeding 10 years of age, We will not pay for the cost of removing any fallen trees or branches unless the tree or branch has caused damage to the buildings. 3. Subsidence or ground heave of the site on which the buildings stand or landslip. Loss or damage in respect of apartment blocks (purpose built or converted). Loss or Damage: • caused by settlement due to building load, bedding down, coastal, lake or river erosion, structural alterations or repairs or demolition, defective design and/or construction, defective defecti ve or inappropriate foundations and the use of faulty materialsm aterials, • caused by building on made-up ground or filled-in land, or caused by tunnelling work • to walls, gates, fences, xxxxxx, terraces, patios, drives, paths, tennis hard courts or swimming pools unless liability liabilit y is admitted under the policy for loss or damage to the home from the same cause occurring at the same time, • to floor slabs unless the foundations beneath the walls are damaged at the same time by the same cause, • to contents unless the home is damaged at the same time by the same cause • associated with such causes arising prior to inception of this policy. Loss or damage if any part of the buildings suffered s uffered previous loss or damage by subsidence, ground heave or landslip unless same has been disclosed to and accepted by us. The Subsidence Excess shown on the schedule applies to this cover. 4. Stealing or attempted stealing. Loss or damage: • while any part of the home is lent, let or sub-let, unless entry to or exit from the home is made using violence and force, • caused by a member of the household other than domestic staff. • caused after the home is left unoccupied unocc upied for more than 30 consecutive consecuti ve days, • while the home is unfurnished. 5. Riot, civil, labour or political disturbance. 6. Vandals or malicious people. Loss or damage caused: • by someone lawfully on the premises, • by any modifications to the premises, • after the home is left unoccupied unocc upied for more than 30 consecuti ve days. • while the home is unfurnished. 7. Escape of water from or the bursting of any fi xed domestic Loss or damage: water or heating installation. We will also pay for the escape of water from any washing machine, dishwasher, refrigerator, freezer, or fixed fish tank. • caused after the home is left unoccupied unocc upied for more than 30 consecutive consecuti ve days. • while the home is unfurnished. • to any fi xed domestic water or heating installation due to wear and tear, rust, or gradual deterioration. • to tiles, walls, floors and ceilings caused by the gradual leakage or seepage of water from all fixed sanitary s anitary ware units including baths and shower units. Loss or damage from subsidencesu bsidence, ground heave or landslip that results from escape of water The T he W ater Damage Excess shown on the sc hedule applies to this cover. 8. Escape of oil from any fixed domestic heating installation. Loss or damage: • caused after the home is left unoccupied unocc upied for more than 30 consecutive consecuti ve days. • while the home is unfurnished. • to any fi xed domestic heating installation due to wear and tear, rust, or gradual gradu al deterioration. 9. Collision by aircraft, other aerial devices, road or rail vehicles, or articles falling from them, or by anim als. Loss or damage caused by your pets. 10. Falling trees or branches. • Loss or damage to gates, fences or xxxxxx. • Damage caused by felling or lopping of trees. 11. Falling aerials, aerial fittings or masts • We will not pay for the cost of removing any fallen trees or branches unless the tree or branch has caused dam age to the buildings.

Buildings and Contents. Unless otherwise stated the Policy Excess shown in the schedule applies to all claims under this section. Other than 'W hat is not insured', the buildings and contents are insured for the amounts shown in the schedule against loss or damage caused by the events in paragraphs 1 – 11 and paragraph 12 if the cover is shown as included on the schedule. 1. Fire, smoke, lightning, explosion or earthquake. Smoke damage caused by: • agricultural or industrial operations, any gradually operating cause, or smog. 2. Storm or flood. Loss or damage: • caused by frost, subsidence, ground heave or landslip, • to gates, fences or xxxxxx, • due to wear and tear or gradual deterioration. • to roofs constructed with torch-on, mineral or other felt exceeding exceedi ng 10 years of age, We will not pay for the cost of removing any fallen trees or branches unless the tree or branch has caused damage to the buildings. 3. Subsidence or ground heave of the site on which the buildings stand or landslip. Loss or damage in respect of apartment blocks (purpose built or converted). Loss or Damage: • caused by settlement due to building load, bedding down, coastal, lake or river erosion, structural alterations or repairs or demolition, defective design and/or construction, defective defecti ve or inappropriate foundations and the use of faulty materialsm aterials, • caused by building on made-up ground or filled-in land, or caused by tunnelling work • to walls, gates, fences, xxxxxx, terraces, patios, drives, paths, tennis hard courts or swimming pools unless liability liabilit y is admitted under the policy for loss or damage to the home from the same cause occurring at the same time, • to floor slabs unless the foundations beneath the walls are damaged at the same time by the same cause, • to contents unless the home is damaged at the same time by the same cause • associated with such causes arising prior to the inception of this policy. Loss or damage if any part of the buildings suffered s uffered previous loss or damage by subsidence, ground heave or landslip unless same has been disclosed to and accepted by us. The Subsidence Excess shown on the schedule applies to this cover. 4. Stealing or attempted stealing. Loss or damage: • while any part of the home is lent, let or sub-let, unless entry to or exit from the home is made using violence and force, • caused by a member of the household other than domestic staff. • caused after the home is left unoccupied for more than 30 consecutive days, • while the home is unfurnished. 5. Riot, civil, labour or political disturbance. 6. Vandals or malicious people. Loss or damage caused: • by someone lawfully on the premises, • while the home is unfurnished. • by any modifications to the premises, • after the home is left unoccupied for more than 30 consecuti ve days. • while the home is unfurnished. 7. Escape of water from or the bursting of any fi xed domestic Loss or damage: water or heating installation. We will also pay for the escape of water from any washing machine, dishwasher, refrigerator, freezer, or fixed fish tank. • caused after the home is left unoccupied for more than 30 consecutive days. tank • while the home is unfurnished. • to any fi xed domestic dom estic water or heating installation due to wear and tear, rust, or gradual deterioration. NOTE: This cover is additionally subject to the Sp ec ial W inter Condition for U noccupied Properties • to tiles, walls, floors and ceilings caused by the gradual leakage or seepage of water from all fixed sanitary s anitary ware units including baths and shower units. Loss or damage from subsidencesu bsidence, ground heave or landslip that results from escape of water The T he W ater Damage Excess shown on the sc hedule applies to this cover. 8. Escape of oil from any fixed domestic heating installation. Loss or damage: • caused after the home is left unoccupied for more than 30 consecutive days. • while the home is unfurnished. • to any fi xed domestic heating installation due to wear and tear, rust, or gradual gradu al deterioration. 9. Collision by aircraft, other aerial devices, road or rail vehicles, or articles falling from them, or by anim als. Loss or damage caused by your pets. 10. Falling trees or branches. • Loss or damage to gates, fences or xxxxxx. • Damage caused by felling or lopping of trees. 11. Falling aerials, aerial fittings or masts • We will not pay for the cost of removing any fallen trees or branches unless the tree or branch has caused dam age to the buildings.

Buildings and Contents. Unless otherwise stated the Policy Excess shown in the schedule applies to all claims under this section. Other than 'W hat is not insured', the buildings and contents are insured for the amounts shown in the schedule against loss or damage caused by the events in paragraphs 1 – 11 and paragraph 12 if the cover is shown as included on the schedule. 1. Fire, smoke, lightning, explosion or earthquake. Smoke damage caused by: • agricultural or industrial operations, any gradually operating cause, or smog. 2. Storm or flood. Loss or damage: • caused by frost, subsidence, ground heave or landslip, • to gates, fences or xxxxxx, • due to wear and tear or gradual deterioration. • to roofs constructed with torch-on, mineral or other felt exceeding 10 years of age, We will not pay for the cost of removing any fallen trees or branches unless the tree or branch has caused damage to the buildings. 3. Subsidence or ground heave of the site on which the buildings stand or landslip. Loss or damage in respect of apartment blocks (purpose built or converted). Loss or Damage: • caused by settlement due to building load, bedding down, coastal, lake or river erosion, structural alterations or repairs or demolition, defective design and/or construction, defective or inappropriate foundations and the use of faulty materials, • caused by building on made-up ground or filled-in land, or caused by tunnelling work • to walls, gates, fences, xxxxxx, terraces, patios, drives, paths, tennis hard courts or swimming pools unless liability is admitted under the policy for loss or damage to the home from the same cause occurring at the same time, • to floor slabs unless the foundations beneath the walls are damaged at the same time by the same cause, • to contents unless the home is damaged at the same time by the same cause • associated with such causes arising prior to inception of this policy. Loss or damage if any part of the buildings suffered previous loss or damage by subsidence, ground heave or landslip unless same has been disclosed to and accepted by us. The Subsidence Excess shown on the schedule applies to this cover. 4. Stealing or attempted stealing. Loss or damage: • while any part of the home is lent, let or sub-let, unless entry to or exit from the home is made using violence and force, • caused by a member of the household other than domestic staff. • caused after the home is left unoccupied for more than 30 consecutive days, • while the home is unfurnished. 5. Riot, civil, labour or political disturbance. 6. Vandals or malicious people. Loss or damage caused: • by someone lawfully on the premises, • by any modifications to the premises, • after the home is left unoccupied for more than 30 consecuti ve days. • while the home is unfurnished. • by any modifications to the premises. 7. Escape of water from or the bursting of any fi xed anyfixed domestic Loss or damage: water or heating installation. We will also pay for the escape of water from any washing machine, dishwasher, refrigerator, freezer, or fixed fish tank. • caused after the home is left unoccupied for more than 30 consecutive days. • while the home is unfurnished. • to any fi xed domestic water or heating installation due to wear and tear, rust, or gradual deterioration. • to tiles, walls, floors and ceilings caused by the gradual leakage or seepage of water from all fixed sanitary ware units including baths and shower units. Loss or damage from subsidence, ground heave or landslip that results from escape of water The W ater Damage Excess shown on the sc hedule applies to this cover. 8. Escape of oil from any fixed domestic heating installation. Loss or damage: • caused after the home is left unoccupied for more than 30 consecutive days. • while the home is unfurnished. • to any fi xed domestic heating installation due to wear and tear, rust, or gradual deterioration. 9. Collision by aircraft, other aerial devices, road or rail vehicles, or articles falling from them, or by anim als. Loss or damage caused by your pets. 10. Falling trees or branches. • Loss or damage to gates, fences or xxxxxx. • Damage caused by felling or lopping of trees. 11. Falling aerials, aerial fittings or masts • We will not pay for the cost of removing any fallen trees or branches unless the tree or branch has caused dam age to the buildings.