direct line home not insured shock

FlameCloud

Be careful now guys, else you'll soon have a PM from insco asking for your home address details so they can issue legal proceeding against you...

Insco

A quick check with the major firms of Loss Adjusters and the FOS Technical advice desk is all that is needed Dave

rosechrysanthemum

Insco wrote: »

If you have accidental damage cover then this would most likely be covered as long as the collapse is sudden and unforeseen ( although it does depend on your Insurers definition of accidental damage, if any). Check your policy schedule carefully and your policy wording for any definitions - if you have cover for accidental damage contact your Insurers again. If the collapse has been caused by an escape of water ( should be readily apparent as the plaster will be sodden) again depending on the policy wording, it is possible this should be covered.

Thanks guys, unfortunately I don't have accidental insurance, as in my policy it just lists this as 'spills on carpet', 'broken window', etc, not - 'ceiling falling down unexpectedly'.
Have given up being mad at insurance company and am living (warily) underneath big hole until plasterer can come at end of month. Perhaps I can sue the surveyor when I bought the house who didn't mention any evidence of dodgy patched ceiling ?

saintlee

I have been in the building industry for over 20 yrs and I cannot recall a single case where a plastered ceiling has just fallen down for no reason.

Could it be that Rose was a victim of the recent earthquake which rocked the UK?

I suggest that they send someone out with a building background
.

Insco

rosechrysanthemum wrote: »

Thanks guys, unfortunately I don't have accidental insurance, as in my policy it just lists this as 'spills on carpet', 'broken window', etc, not - 'ceiling falling down unexpectedly'.
Have given up being mad at insurance company and am living (warily) underneath big hole until plasterer can come at end of month. Perhaps I can sue the surveyor when I bought the house who didn't mention any evidence of dodgy patched ceiling ?

Rose, check your schedule, not the policy wording booklet ( that will be a standard document issued to everyone) to see if you have accidental damage cover - or phone your Insurer and ask them if you have it.

Even if you don't have accidental damage the Insurer should not just reject this claim on the phone without seeing it.

At the very least someone should come out to look at this for you

saintlee

Insco wrote: »

Rose, check your schedule, not the policy wording booklet ( that will be a standard document issued to everyone) to see if you have accidental damage cover - or phone your Insurer and ask them if you have it.

Even if you don't have accidental damage the Insurer should not just reject this claim on the phone without seeing it.

At the very least someone should come out to look at this for you

I fully concur with Insco's advice here.

as stated previously, A ceiling falling down, definately warrants a visit.

Those who say it is wear and tear are wrong IMO, A ceiling doesn't "wear and tear", if it was incorectly fitted or if there are other factors involved, an assessment should be made.

raskazz

saintlee wrote: »

I fully concur with Insco's advice here.

as stated previously, A ceiling falling down, definately warrants a visit.

Those who say it is wear and tear are wrong IMO, A ceiling doesn't "wear and tear", if it was incorectly fitted or if there are other factors involved, an assessment should be made.

Er, if it collapsed because it was 'incorrectly fitted' it usually wouldn't be covered anyway... and isn't under Direct Line's policy..