Liberty Quality Home - house and contents insurance
Article A. BASIC COVER: MATERIAL DAMAGE OR LOSSES SUSTAINED BY THE BUILDING AND / OR CONTENTS
Pursuant to the cover conditions of the policy and the limit on the insured sum stipulated in the schedule, material damage and / or direct material losses sustained by the building or contents due to the following causes are guaranteed:
A3. Extensions of cover
1. Risks derived from natural events (atmospheric phenomena): rain, wind, hurricanes, storms, tornados, hail and snow
Material damage directly caused by the action of rain, storms, frosts, tornados, hail, snow, wind and hurricanes, are guaranteed providing the damage caused by these risks is not covered by the Insurance Compensation Consortium and they occur abnormally.
Abnormal shall be deemed to mean:
- In terms of rain, storms and tornados, when rainfall of over 40 litres per square metre and per hour is registered
- In the case of wind, when winds of over 96 kilometres per hour are registered
- With regard to hail or snow, whatever the intensity or volume
The abnormal nature of these atmospheric phemonena shall primarily be verified by the reports issued by the relevant Official Bodies or, in their absence, through the proof provided by the insured. For such purposes, proof of these events will be that other buildings near the insured homes with solid construction features have been affected by the same atmospheric phenomena.
The indemnity limit for this cover shall be 100% of the insured sum for building and / or contents.
2. Flooding
Material damage directly caused to the insured property is guaranteed, when such damage is due to the direct action of water moving over the ground surface as a result of:
- The flooding or accidental diversion of the course of lakes without natural outlets, reservoirs, rivers, streams, canals, irrigation ditches, swamps or other man-made surface channels
- The flooding of drains, collectors and other similar piping
In addition, any costs incurred to clear and remove mud as a result of any circumstances included in this cover are guaranteed.
The indemnity limit for this cover shall be 100% of the insured sum for building and / or contents.
3. Vandalism and acts of ill intent
5. Collisions, crashes, falling aircraft and sonic boom