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A policy that indemnifies household contents insured for a break-in or theft that requires the observer to “see physical damage” will compensate the insured only if physical damage can be seen by the insurer after the event. The insured in Pillay v The Hollard Insurance Company Limited alleged that various items of clothing and other household goods, as well as jewellery, to the total value of about R130 700 was stolen from a cupboard in his…