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  • FIRST POST
    mikebristow
    Claim Void as no forced entry
    • #1
    • 18th Dec 08, 3:46 PM
    Claim Void as no forced entry 18th Dec 08 at 3:46 PM
    On the 1st of November, I came home to find my house had been burgled. Police were called and found the thieves came in through the back patio sliding door which was pushed in with a slight black mark on the floor. The Police said he can't find any sign of a forced entry and said the sliding doors are the earlier versions and can be a bit dogdy. I called the insurance company and gave them a list of items taken from my house. A loss adjuster visited and made a list of all contents to the loss adjuster who also took a picture of the door which the burglars came through said the claim will be progressed. He advised me to call the case handler re the door to be fixed and secured. Gave my case handler 2 quotations from a local upvc door company. Homeserve were appointed to inspect the door for cost comparison. The Engineer that attended said there's no sign of forced entry and decided to repudiate the claim and said it will affect my claim for contents. He wrote in his report there's a fault with the locking mechanism due to wear and tear. I employed an independent double glazing supplier who inspected the door and concluded only 2 of the 4 locks were operational and the occupant would not have been aware of the fault unless they push the door from the outside garden. I informed the engineer i've always locked my door same way since moving into the property 18 months ago and i'm satisfied my door is locked at all times as door cannot be opened from inside the property once the slide is put in place.

    I've gone through my home insurance policy booklet and it states as follows:

    WE WILL NOT PAY FOR THEFT OR ATTEMPTED THEFT OF:

    
    Money
    unless force is used to gain entry
    to the
    home

    
    Any loss or damage if the home or any
    part of it is let or lent unless force is used
    to gain entry to the
    home

    
    Loss or damage occurring during a period
    of unoccupancy

    
    Loss or damage caused by you, your

    domestic employees, lodgers, paying
    guests or tenants
    I'm not sure if they'll accept liability for the contents as i'm not claiming for money.
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