| Damage caused by long-term processes, normal wear and tear, rotting or corrosion. |
We will indemnify you for the loss if one of the abovementioned reasons leads to a fire, explosion or pipe leak, but we do not indemnify the part of the insured object that caused the loss.
Example
If a corroded pipe breaks and water damages the interior finish, we will indemnify you for the restoration of the interior finish, but not for the broken pipe.
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| Condensation, humidity, long-term variation in temperature, exposure to light, long-term impact of atmospheric conditions or chemicals on the insured object or a part thereof. |
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| Mould, dry rot, fungal diseases or bacteria on the insured object or a part thereof. |
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| Activities of insects, pests, rodents, birds and domestic animals. |
We will indemnify window glass broken as a result of the activities of birds and animals or a loss caused by fire. |
| Defective construction or repair work; calculation, planning or design error; or use of defective or unsuitable building materials. |
We will indemnify you for the loss if one of the abovementioned reasons leads to a sudden and unexpected event, but we do not indemnify the part of the insured object that caused such loss.
Example
- If a chimney has not been constructed in accordance with the design requirements and, therefore, leads to a fire, we will indemnify the damage caused to the structure, but we will not
replace the chimney.
- If the wall tiles in your bathroom are fixed with an insufficient amount of tile glue and fall off because of this, thus damaging the sink, we will indemnify the damage caused to the sink,
but not the wall tiles.
- If, due to defective construction, water or humidity get in between the thermal insulation and plaster, no indemnity is paid as this is not a sudden event.
- If the insulation material of the structure has been poorly installed and this has caused thermal bridges and condensation or mould damage to the interior finish of the structure, we will
not replace the insulation material as the damage was not caused by a sudden or unexpected event. No indemnity is paid for damage to the interior finish since condensation and mould are not
covered by the insurance.
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| Subsidence, elevation, movement, expansion, wear of materials and vibration of the structure, its foundations, walls or other structural elements. |
We will indemnify you for a loss caused by:
- movement of the surface or vibration caused by construction work performed by third parties whose liability is proven
- rise of surface water or a flood.
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| Water entering the structure through a broken construction. We presume that the construction element is broken when the external barriers of the structure that are designed to prevent water
from entering the structure fail to meet their purpose. |
We will indemnify you for loss caused by:
- water entering the structure due to poor construction if such a loss is caused by a sudden and unexpected external event and the damage has been identified
- first leakage of water through roof or wall structures that damage the interior finish or home contents.
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| Loss of home contents. |
We will indemnify the loss of home contents due to theft or robbery. Theft is deprivation of home contents as a result of a break-in to the place of insurance, or outside thereof. Robbery
means deprivation of home contents accompanied by the use of violence that represents a threat to a person’s life and health or the threat to use violence. |
| Failure of or damage to home appliances or devices (e.g. boiler or central heating boiler) that has not been caused by external events. |
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| The use of the insured object in a manner not complying with the purpose or function established by the manufacturer. This includes testing or intentional overloading of or performing
experiments on machines and equipment. |
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| Nuclear weapon, nuclear fuel, nuclear energy or radioactive substance or any other source of radiation or the explosion of a nuclear or radioactive substance. |
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