Building works
NOT COVERED
What’s not covered
Loss, damage or liability for or caused by, connected with, or arising from building works to the home or unit or parts of the home or unit (other than the cover available under ‘Legal liability’ and below), including any of the following:
- damage caused by cracking, collapse, subsidence, caused fully or partially by the building work
- damage caused by storm, flood, or water entering the home or unit through any openings (whether such openings were created by you or another person) in the walls or roof or other unfinished parts of the home or unit under construction, and whether or not they were temporarily covered at the time of the damage
- theft or damage by someone who enters or leaves through an unlockable part of the home or unit that’s under construction.
We also don’t cover legal liability for or caused by, connected with, or arising from building works, including construction and demolition of building structures, being carried out at the insured address where the total cost of the building work is more than $50,000.