Letting insurance

bluedoganchorite

There was some big flood damgae at my mother's house, problem is nobody was letting her house at the time and the company isn't going to cough up. She asked them earlier if she'd stilll be covered in this situation and they said it would be fine, the !!!!!!!s.

Can anything be done?
Ta.

dacouch

How long had the property been "Unoccupied" (This means either no one was living their and /or it was not furnished sufficiently for habitation) since either your family or you had tenants?

Which insurance company is it

bluedoganchorite

The company is lets/cover and the house is partially furnished but sadly was never succesfully let, she's been with them for about 2 years.
Thanks.

dacouch

Unfortunately the the vast majority of Insurers exclude certain types of claim if a property is "Unoccupied". They tend to only provide cover for Fire, Lightning, Explosion, Earthquake and liability.

I assume you have had a burst pipe as these are very common in unoccupied properties. If you had informed your Insurers they would normally have provided full cover for around the first 30 days the property was unocccupied and then restricted the cover. They would have insisted you drain the water pipes to prevent the pipes bursting.

There are some companies that would have offered full cover but would have charged you around £800 which I doubt you would have agreed to pay, would have had a very large excess of probably £750 (The amount you pay in a claim) and they would have insisted you drain the mains pipes and switch of the mains electricty and other services.

Sorry I could not be more help