Document ID: chunk:federal_register_of_legislation:F2019L00902:body:0:p2
Version: federal_register_of_legislation:F2019L00902
Segment Type: other
Provision Reference: 
Character Range: 2561–4868

loss or damage to the home that is caused by burning or heat, if that happens without flames.

2 Explosion
What we insure you for
We insure you for loss or damage to the home caused by explosion.

3 Lightning or thunderbolt
What we insure you for
We insure you for loss or damage to the home caused by lightning or thunderbolt.

4 Earthquake
What we insure you for
We insure you for loss or damage to the home caused by earthquake.

You must pay the first $200 of each claim we agree to pay for loss or damage caused in an earthquake event. An earthquake event begins with the first earthquake and ends 48 hours after that. If there is another earthquake outside this 48 hour period, it begins a new earthquake event. You must pay another $200 if we agree to pay your claim for loss or damage that happens in a new earthquake event.

5 Flood or action of the sea
What we insure you for
We insure you for loss or damage to the home caused by flood, or a tidal wave, or the action of the sea. By 'action of the sea' we mean the rise or fall of the sea over a short period of time.

6 Storm, snow or hail
What we insure you for
We insure you for loss or damage to the home caused by storm (including cyclone), snow or hail. By 'storm' we mean a violent wind that may occur with thunder or heavy rain.
What we do not insure you for
We do not insure you for loss or damage caused by wind, rain, snow or hail entering the home unless it enters because of structural damage to the home that is directly caused by the storm, snow or hail.

7 Rain
What we insure you for
We insure you for loss or damage to the home caused by rain. Rain includes that part of the rainfall that is not absorbed by the soil but runs off as surface water.
What we do not insure you for
We do not insure you for loss or damage caused by rain seeping into or entering the home because of:
       * defects in the structure or design of the home
       * defects in building work done on the home
       * an opening made in the home so that it could be added to, renovated, repaired or modified
       * failing to properly maintain the home.
We do not insure you for loss or damage to the external paint work or other external coatings on the home.

8 Act intended to cause loss or damage
What we insure you for
We insure you for