What can i claim for??

scoutfinch

Had the day from hell on Tuesday. I was greeted by my neigbour when i returned from work to tell me she had noticed my guttering was dented and some of the lead flashing was missing from my roof and all of it missing from my back yard shed roof. When i got in the house the arm of my settee near window (facing the back yard) was scratched and ripped where my dog had obviously tried to create attention or was disturbed by the perpetrator. My neighbour has told me I can claim on my home insurance for this, but what exactly can I claim for? The lead flashing? the ripped settee? or both?

Any advice would be appreciated

gordikin

What insurance do you have and who with? When did you last carry out any maintenance on your roof?

gordikin

?perpetrator and back yard sounds USA...are you in the UK?

scoutfinch

Its full buildings and contents cover with Magnet insurance, any ideas??

scoutfinch

gordikin wrote: »

?perpetrator and back yard sounds USA...are you in the UK?

Yeah, am in the UK, couldnt think of a word to describe the thief and i have a backyard/garden

bouncydog1

Doubtful your settee will be covered as from what you have said there was no forcible/violent entry to your premises and the damage was caused by your dog. There is often an exclusion on contents policies covering damage by pets.

Not sure about the lead flashing - have you reported this to the police as if you are claiming theft (which I think you are) insurers will require a police reference number relating to the reported claim.

StephenMarsh

I agree with bouncy report it to the police first and then contact your insurance company as you may have a claim for malicious damage to the exterior or the property.

Very unlikely the setee will be coverered as bouncy says most insurers exclude pet damage. If for some reason you can claim for it be advised this will form 2 claims and could impact your premiums.

dacouch

StephenMarsh wrote: »

I agree with bouncy report it to the police first and then contact your insurance company as you may have a claim for malicious damage to the exterior or the property.

Very unlikely the setee will be coverered as bouncy says most insurers exclude pet damage. If for some reason you can claim for it be advised this will form 2 claims and could impact your premiums.

Surely it would be a theft claim

StephenMarsh

dacouch wrote: »

Surely it would be a theft claim

sorry yes i misread the OP tbh I took it for damage trying to get in or something but they stole the actual lead...

dacouch

StephenMarsh wrote: »

sorry yes i misread the OP tbh I took it for damage trying to get in or something but they stole the actual lead...

Although I have seen the odd building policy that does not include theft a a peril under the building section so theft of parts of the building were excluded, but those wordings are rare

foggytown

Although tenuous, the "proximate cause" principle might be applied here: the old "but for" rule. In essence, the OP could say that "but for" the activities of the thieves, the dog would not have become so excited and would not have caused the damage. If the theft is covered to begin with then so would any damage proimately caused by that theft. It would get around the pet exclusion but is probably too imaginative for the typical claims drone to even know how to consider.