Major Structural Defect Policy

Major Structural Defect Policy

  1. What constitutes Major Structural Defect?
  2. A defect will constitute a Major Structural Defect, if all the following conditions are met:

    • there is actual physical damage to one or more specified load-bearing components of the Work Areas;

    • which results in failure of specific major structural components; and

    • this affects its load-bearing capacity to such an extent that physical safety of the occupants of the Work Areas is materially affected.

  3. Which Areas can suffer Major Structural Defect?
  4. Following components of Work Areas are deemed to have potential to suffer a Major Structural Defect:

    • bearing walls;

    • columns;

    • lintels except those supporting veneers;

    • girders;

    • load bearing beams;

    • roof framing members;

    • floor framing members; and

    • foundation systems and footings.

  5. Which Areas cannot suffer Major Structural Defect?
  6. Following components of Work Areas are deemed not to have potential to suffer a Major Structural Defect:

    • doors, windows, cabinets, insulation, trim, hardware, paint and stains;

    • wall paper or tiles;

    • flooring and sub-flooring material;

    • any kind of exterior siding;

    • heating, ventilation, cooling, electrical and plumbing systems;

    • appliances, fixtures or any equipment;

    • drywall, plaster or laths;

    • brick, stone, veneer, exterior wall sheathing or stucco;

    • non-load bearing walls or partition; and

    • roof sheathing, shingles and tar paper

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