Clauses Applicable to Items on Buildings Bees and Wasps Nest Removal


The Insurance by each item on Buildings extends to include the reasonable costs of removing bees or wasps nests other than those nests which were already in the Buildings before the inception of this Policy


For the purpose of this clause the Company’s liability shall not exceed £5,000 in respect of any claim Buildings awaiting Demolition


If at the time of the Damage any Buildings are awaiting demolition the liability of the Company shall be limited to the additional cost of removing debris as detailed in Buildings – The Basis of Settlement of Claims paragraph [iii] which are incurred by the Insured solely as a result of such Damage


Buildings awaiting Refurbishment Redevelopment or Renovation


If at the time of the Damage any Buildings are awaiting refurbishment redevelopment or renovation the Company shall not be liable for any costs which would have been incurred by the Insured in the absence of such Damage Company's Option to Rebuild


The Company may at its option rebuild or restore the Buildings destroyed or portions damaged without being bound to rebuild or restore the Buildings in exactly the same form as immediately prior to the Damage where circumstances do not reasonably permit The Insured shall at their own expense produce and give to the Company all such plans documents books and information as the Company may reasonably require


Contract Works


The insurance by each item on Buildings extends to include Contract Works to the extent to which the Insured has contracted to arrange cover provided the Company’s liability shall not exceed £100,000 in respect of all losses arising out of any one occurrence This insurance shall only apply in so far as the Contract Works are not otherwise insured and excludes the Insured’s Contribution being £250


Contractors Interest Clause


Where the Insured is required to effect insurance on the Buildings in the joint names of themselves and the contractor under the terms of a contract condition then the interest of the contractor in the Buildings as a joint Insured is noted subject to details of any single contract where the original contract price exceeds £250,000 having been advised to the Company prior to work commencing and an additional premium being paid as appropriate


Delays in Rebuilding


The Company shall not be liable for increases in costs attributable to unreasonable delays in rebuilding or restoring or complying with Stipulations unless such delays are wholly outside the control of the Insured


Explosion of Steam Pressure Plant


The insurance provided against explosion (if insured hereby) is extended to include Damage to the Buildings resulting from the bursting of any boiler or other plant which belongs to or is under the control of the Insured in which internal pressure is due to steam only provided


[i] [ii] [iii]


the Company’s liability shall not exceed £4,000,000 in excess of £1,000,000 any one claim a separate Engineering insurance is in force for the primary £1,000,000


the plant is regularly inspected by an independent competent engineer in accordance with statutory requirements


Fly Tipping


The Insurance by each item on Buildings extends to include the reasonable costs of clearing and removing any property illegally deposited in or around the Premises provided the Company’s liability shall not exceed £2,500 in respect of all losses arising out of any one occurrence


Further Investigation Expenses


Where a Building has suffered Damage and in the opinion of a competent construction professional there is a reasonable possibility of other Damage to portions of the same Building which is not immediately apparent the Company will pay the reasonable costs incurred by the Insured with the Company's prior consent in establishing whether or not such Damage has occurred


The Company will also pay the reasonable costs incurred by the Insured in establishing whether or not other Buildings in the vicinity have suffered Damage in the same incident but only if such Buildings are subsequently found to have suffered such Damage for which the Company is liable


Glass Cover Extension


The cover granted under this insurance in respect of Damage to fixed glass includes the reasonable cost of [a] [b]


any necessary boarding up or temporary glazing pending replacement of broken glass removing and refixing window fittings and other obstacles to replacement


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