Fish tank seal failed - are we covered?

lisyloo

Yes, find a search engine if you can for home insurance, put in all you details with no claim and then edit and put in one claim and see the difference.
Unfortunately it's pretty much a done deal because it will now be on record that you've experience a "loss", so even if you don't claim, you would have to declare it if asked whether you have had a loss.
I know you didn't know this, but you really need to work this out beforehand because sometimes even phoning them about it means it now counts.

But from the sounds of it your claim could be more than any future increased premiums.
It won't be a tiny claim if your flooring is damaged and they might have to take apart a lot of the floor.
We had the clickable laminate and had a scratch on it, when they replace a few panels, they had to go all the way into out adjoining dining room from the lounge, to find an edge from where they could start.

JimmyTheWig

dogbot wrote: »

Permenant fitted hard floors are part of buildings - you can't take them with you as you do carpets.

What counts as a permanent hard floor?
I wouldn't know how to start to take it up (i.e. to me it is more like a fixed carpet than a rug, if that makes sense?) but the laminate does move over time and can be "kicked" back into place.

I guess this will be for the loss-adjuster to decide? They're coming out on Thursday.