Page 62 - Binder3

2. Defective Design
the cost of reinstating or repairing:
a) any work executed or any site materials suffering damage as a result of its own faulty or defective
design, materials, plans, specification, faulty or defective workmanship or operational error or
omission or other work executed which suffers damage in consequence thereof where such work
relied for its support or stability on work which is defective
b) property which is defective due to wear and tear, obsolescence, deterioration, rust or mildew

3. Fines or Penalties
any fine or penalty for non-completion, non-compliance or delay

4. Northern Ireland Civil Commotion
damage in Northern Ireland occasioned by or happening through or in consequence directly or
indirectly of civil commotion

5. Unexplained Losses
Damage caused by or consisting of disappearance, unexplained or inventory shortage, misfiling or
misplacing of information or shortages due to error or omission.

Section 5 – Special Provisions

1. Contracts (Rights of Third Parties) Act 1999
For the purposes of the Contracts (Rights of Third Parties) Act 1999 this part is not enforceable by any
third party.

2. Debris Removal
The insurance under each item on works in progress includes an amount in respect of reasonable costs
and expenses necessarily incurred with our consent in:
a) removing debris of
b) dismantling or demolishing

c) shoring up or propping
d) boarding up
e) weatherproofing

the property insured following Damage.
We will not pay any costs or expenses:
i) incurred in removing debris except from the site of such property suffering Damage and the area
immediately adjacent to such site
ii) arising from pollution or contamination of property not insured under this part.

3. Professional Fees
The insurance under section 2a) includes an amount in respect of reasonable architects’, surveyors’,
legal and consulting engineers’ fees necessarily incurred in the reinstatement or repair of the property
insured consequent upon its Damage but not for preparing any claim.

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