What your insurance policy covers when it comes to the elements

By Staff Writer

Today is World Meteorological Day and we thought we’d take a look at what the weather means for your insurance.

Below is a table of weather elements that are  and aren’t covered by your insurance policy.

 

Weather elements that are covered

Weather elements that are not covered

Wind (e.g. Tornado, strong winds)

Solar Heating equipment in a Frost area

Flood (e.g. Tsunami, river flooding)

Any weather related damage in a partially roofed construction

Hail

Movement of Land caused by:  Volume changes in clay based soil/rock caused by changes in moisture/water

Storm

Movement of Land caused by: Excavations other than mining excavations

Lightning (including thunder)

Movement of Land caused by: Removal of or weakening of pillars

Movement of Land (Natural shifts/ human activity)

Movement of Land caused by: normal settlement, shrinkage or expansion of dwelling

Snow

Movement of Land caused by: poor compaction of landfill

 

Rise in the underwater water table or pressure caused by it

 

Then please bear in mind that a weather related claim will also not be covered if the following either caused or contributed to the loss:

- defects in the design or construction of the building

- construction, alteration or repairs, defective workmanship or materials

-  a lack of maintenance

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