Document ID: chunk:federal_register_of_legislation:F2019L00902:body:0:p6
Version: federal_register_of_legislation:F2019L00902
Segment Type: other
Provision Reference: 
Character Range: 11278–13724

D. Lost rent
We will pay you for lost rent if:
       * we agree to pay your claim for loss or damage to the home, and
       * the loss or damage makes the home unfit to live in, and
       * at the time of the loss or damage you are leasing out the home.

We will pay you lost rent:
       * for the reasonable time it takes to repair or rebuild the home, or
       * for up to 12 months from the date of the loss or damage, whichever is less.

E. Landlord's fixtures and fittings
We will pay you for loss or damage to landlord's fixtures and fittings if:
       * the loss or damage is caused by one of the events we insure, and
       * you are not living in the home at the time of the loss or damage, but someone else is living there with your consent.

By 'landlord's fixtures and fittings' we mean any of these items that are in the
home for the person living there to use:
       * items that are permanently fixed to the home
       * internal blinds and curtains
       * carpets.

In each period of insurance, the most we will pay for landlord's fixtures and fittings is:
       * $10,000, or
       * 10% of the sum insured, whichever is less.

F. Extra costs related to building
If we agree to pay your claim for loss or damage to the home, we will also pay the reasonable costs of:
       * employing an architect, engineer or surveyor
       * demolishing
       * removing debris from the site
       * complying with the requirements of any Statutory Authority that are served on you after the loss or damage happens.

We will pay these costs only if we agree they are necessary to repair or rebuild the home. If you have to rebuild the home, you may build it on another site – but if changing the site increases your building costs, you must pay the amount of this increase.

G.  Legal costs for discharge of mortgage
If the home is destroyed and either:
       * you choose to rebuild it on another site, or
       * we agree to pay you the market value of the home, then we will also pay the legal costs to discharge any mortgage on the home.

In each period of insurance, the most we will pay for legal costs to discharge mortgages is $1,000.

H. Matching decor
We will pay the reasonable costs of replacing or modifying an undamaged part of the home if:
       * we agree to repair or replace a part of the home, and
       * you reasonably need to replace or modify an undamaged part of the home to match the part