Document ID: chunk:federal_register_of_legislation:F2019L00902:body:0:p4
Version: federal_register_of_legislation:F2019L00902
Segment Type: other
Provision Reference: 
Character Range: 6792–9172

home caused by the impact of any:
       * animal that is not kept at the home or site
       * vehicle, watercraft, aircraft, sonic boom from an aircraft
       * space debris, debris from any aircraft, rocket or satellite
       * television aerial or radio aerial or its mast.
What we do not insure you for
We do not insure you for loss or damage to the home caused by:
       * any animal kept at the home or site
       * any animal or bird biting, chewing, pecking or scratching
       * insects or vermin.
We do not insure you for loss or damage to a television aerial or a radio aerial or its mast unless that loss or damage is caused by an event we insure in this policy.

13 Falling tree or branch
What we insure you for
We insure you for loss or damage to the home caused by a falling tree or branch.
If we agree to pay your claim, we also pay the reasonable costs of removing the fallen tree or branch to the nearest dumping ground.
What we do not insure you for
We do not insure you for loss or damage to the home caused by lopping or felling a tree if that is done by you or with your consent.

What we pay

A. Repairing or rebuilding your home
If we agree to pay a claim for loss or damage to the home, we may choose to:
       * pay you a cash amount for what we think are the reasonable costs of repairing or rebuilding the home, or
       * pay the reasonable costs you actually incur in repairing the home if it is damaged (but if it costs less to rebuild the damaged part of the home than to repair it, we will pay the reasonable costs of rebuilding it instead), or
       * pay the reasonable costs you actually incur in rebuilding the home if it is destroyed.

Please note, if we agree with you that it would not be appropriate to rebuild the home, we will pay you the market value of the home before it was destroyed less the amount it costs us to pay off any mortgage on the home.

We will pay the reasonable costs of repairing or rebuilding the home on a 'new for old' basis to a condition substantially the same as but not better than when new.

Where possible, we will pay the reasonable costs of matching materials used in repairing or rebuilding with those originally used. But we do not promise to
repair or rebuild the home to exactly as it was before the loss or damage occurred.

We only pay the costs of repairing or rebuilding those parts