Fire

• Architects and other professional fees.
• Automatic reinstatement.
• Capital additions.
• Demolition and clearing costs.
• Disposal of salvage.
• Earthquake.
• Fire extinguishing charges.
• Labourers, contractors and employees.
• Limitations: Money and stamps (up to R5,000), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media.
• Mortgagees’ interests.
• Municipal plans scrutiny fees.
• Power surges and lightning strikes.
• Prevention of access.
• Property removed temporarily.
• Public authorities' requirements.
• Public supply connections.
• Railway and other subrogation clause.
• Rent and alternative premises.
• Reinstatements and replacements.
• Security costs.
• Tenants' clause.
• Motor loads.
• Water heating and pipes.

Loss or damage to property due to or caused by

• Exposure to heating, drying or water processes.
• A tsunami or tidal wave because of an earthquake.
• The underground workings of a mine.
• Goods left in the open (unless the goods are designed for such use).
• Structures that aren’t completely roofed (unless otherwise stated on your policy schedule).
• Volume changes in clay-based soil or rock.
• Defects in design or construction or absence of approval from the relevant local authorities.
• Retaining walls, drains or a constructed water course.
• Where demolition cover doesn’t cover the costs or expenses incurred in removing debris.
• Property insured by any marine policy.

• Escalation.
• Leakage: First loss basis.
• Leakage: Full value.
• Malicious damage.
• Riots and strikes.
• Subsidence and landslip.