ADH 15.04a 52 Cover 7 – Property Damage What is insured: Costs to pursue a Legal Action for damages against a person or organisation that causes physical damage to Your main home. The damage must have been caused after You first purchased this insurance. What is not insured: Claims: a) In respect of works undertaken or to be undertaken by or under the order of any government or public or local authority b) Directly or indirectly arising from planning law c) Directly or indirectly arising from: i.) Subsidence meaning downward movement of the ground beneath buildings where the movement is unconnected with the weight of the building ii.) Heave meaning the upward or sideways movement of the site on which buildings are situated caused by swelling of the ground iii.) Land slip meaning downward movement of sloping ground iv.) Mining or quarrying Cover 8 – Property Sale and Purchase What is insured: Costs to pursue or defend a Legal Action arising from a breach of a contract for the sale or purchase of Your main home. What is not insured: Claims: a) Where You have purchased this insurance after the date You completed the sale or purchase of Your main home b) Where the amount in dispute is less than £125 plus VAT c) Directly or indirectly arising from planning law