Restoration of Sum Insured of Home Building under a standard home insurance policy

Except as stated in your Policy, the insurance cover will at all times be maintained during the Policy Period to the full extent of the respective Sum Insured. This means that after the Insurer has paid for any loss, the policy shall be restored to the full original amount of Sum Insured. You must pay to the Insurer proportionate premium for the unexpired Policy Period from the date of loss. The Insurer can also deduct this premium from the net claim that the Insurer must pay You