Frost damage not covered.

lilac_lady

On checking my buildings policy I saw that frost damage was listed in the exceptions list. Is this standard on most policies? I was lucky enough to have no damage after the bad weather period but if frost is a no-claim reason are insurers getting away with not paying out because of frost?

cogito

It's a common exclusion but how do you envisage a claim occurring?

Oscar_The_Grouch

When water gets into the small cracks in bricks on a cold night, it freezes. The frozen water expands and causes the cracks to get wider. Over time, this can cause quite a bit of damage if it is left to continue.

Water can freeze in pipes. The water (again) expands, causing joints to crack and, sometimes, the pipe itself to break. When the water thaws, you can end up with a significant amount of damage by the escaping water.

The type of damage mentioned in my first paragraph is excluded by the "frost" clause. The damage in the 2nd paragraph is covered under "escape of water".

Insurance policies are not maintenance contracts. The "frost" eclusion is there to make it clear that the cracking in bricks and drives caused by the freezing and thawing of water is not covered. The pot holes that everyone is having to avoid on the roads at the mo is due to this and the fact that rather than resurfacing roads, councils have been patching them up for ages - the cracks are beginning to show!!

Hope this helps.

plucker

Hi
Time to move Martin.

They are at it again.

We have a small shop and 90% of the gutter has gone + the large drain pipe gone, tiles, etc. and they have already mentioned Frost!

I have taken photographs and a Builder is coming today assessing the damage and THE CAUSE most probably snow weight and not FROST!]

Are they a maintenance Company or a Insurance?
.. and we have home as well and in these times money is tight - very tight - especially if they do not change the University fee Law!:mad: