Document ID: chunk:federal_register_of_legislation:F2019L00902:body:0:p5
Version: federal_register_of_legislation:F2019L00902
Segment Type: other
Provision Reference: 
Character Range: 8949–11470

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 of the home that are directly destroyed or damaged by an event.

If you have to rebuild the home, you may build it on another site – but if changing the site increases the costs of rebuilding the home, you must pay the amount of this increase.

Please note, we will only pay the reasonable costs of repairing or rebuilding the home if:
       * the home has been kept in good repair and condition. This means it must be structurally sound, secure, and well maintained. If it is not, we have to reassess the value of the home before we work out the costs we will pay you. We do this by decreasing the value of the home, taking into account its age and the extent it has deteriorated.
       * you start repairing or rebuilding the home within 6 months from when the loss or damage happens. If you do not, and the delay increases the costs of repair or rebuilding, you must pay the amount of that increase.

Please also note, we will only pay your costs in getting quotes or inspection reports if we agree to do so before you get them.

B. Additional expenses we pay for
As part of your sum insured, we insure you for these additional expenses:
       * temporary accommodation
       * lost rent
       * landlord's fixtures and fittings
       * extra costs related to building
       * legal costs for discharge of mortgage
       * matching décor; and
       * trees, shrubs and plants.

Please note, the most we will pay for each claim for all of these additional expenses is 20% of the sum insured.

C. Temporary accommodation
We will pay you the reasonable costs of temporary accommodation (including temporary accommodation for your household pets) 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.

We will only pay you the reasonable costs of temporary accommodation that you are actually responsible for paying.

We will pay these costs:
       * 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.

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
       *