locating the cause of any damage if it is not known.
demolition
the removal of debris
employing an architect, engineer or surveyor in connection with rebuilding or repairing your home.
It will pay these costs only where they relate directly to that part of your home which suffers loss or damage. This cover is available if:
you have either a replacement or an indemnity policy, and
your home suffers loss or damage because of the listed events.
STATUTORY AUTHORITIES
As part of your sum insured, the insurer under a typical policy will also pay the extra building costs necessary to meet the requirements of any statutory authority. It will only pay these costs where they relate to rebuilding or repairing your home on the site. This cover is only available if:
you have a replacement policy
your home has been damaged by one of the listed events.
the building which needs to be repaired or rebuilt is a legal construction.
The insurer will not pay the extra costs which result from any notice which a statutory authority served on you before your home suffered loss or damage.
INJURY TO OTHER PEOPLE OR DAMAGE TO THEIR PROPERTYLIABILITY COVER:
Under a typical policy, liability means your legal responsibility to pay compensation for death or bodily injury to other people, or damage to their property. This responsibility only arises if you have done something wrong or you are at fault. Liability cover is offered to you and your family as part of your replacement or indemnity policy.
WHAT
YOU ARE COVERED FOR?
A typical policy will cover you and your family against legal liability for claims arising from incidents:
which occur in your home or on the site, and
for which you or your family are responsible as owner or occupier of your home or the site.
These incidents must cause:
death or bodily injury to a person (other than you or your family), or
damage to property other than property which you or your family own or control.
Under
a typical policy the most the insurer will pay in relation to any one
incident under this section of the policy is $10 000 000. The insurer
will also cover you and your family against your liability for legal
costs when their lawyers act in connection with these claims. Any
legal costs the insurer pay in relation to a liability claim are over
and above the $10 000 000.