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:
A.8. Aesthetic restoration of building and contents
The necessary expenses incurred for the aesthetic restoration of property, damaged by a claim guaranteed by the covers of the policy, are covered when it is not possible to repair the affected part with materials identical or aesthetically similar to the ones that were lost without reducing the original harmony of the property.
The aforementioned expenses shall comprise the repair or total or partial replacement of the property affected by the accident using materials identical or similar to the original ones.
The existence of and estimate for the aesthetic damages shall be determined by the loss adjusters that intervene in the appraisal of the damage.
When the insured is the tenant, the aesthetic restoration of the building shall be applicable to any improvement or refurbishment work that has been carried out in the home. The value of such work must be included in the insured sum for the building (refurbishment work).
The indemnity under this cover is conditional upon repair of the damage.
The indemnity limit for this cover shall be 10% of the insured sum for building and / or contents, with a maximum of euros 6,000 per claim and per year. This same limit shall be applicable even when one claim / incident affects, at the same time, goods insured under building and contents.