What is ACTUALLY covered by home insurance?

Risinfromthegutter

Hi,

I was just wondering what is actually covered by home insurance and is it really worth it?

The reason I ask is, I recently discovered a leak in my loft conversion/attic bedroom. I have had some roofers out who have told me the flat roof needs replacing.

One of the roofers said that the flat roof has failed becuase a slate had fallen from the roof. He said I should claim on my insurance. So I began this process.

I have had a visit from a loss adjuster today who said that I am not covered as there has been no evidence of a storm recently?!...why am I not covered for a fallen slate regardless of how it is caused? Surely this is the sort of thing I am attempting to cover myself against by taking out insurance? ... I have been informed that I could claim for a new carpet and the ceiling being re-plastered. I do not see how I can be covered for one thing but not the other as both are a result of the same problem.

Can anyone shed any light on how the system works?

Cheers

RFTG x

daveyjp

If the slate fell due to anything other than high winds it's more likely a maintenance issue and insurance doesn't cover a policy holder's failure to maintain a property.

StephenMarsh

The slate has been put down to wear and tear as its not dislodged in a storm or adverse weather or other covered peril. Its a home owners responsibility to maintain the property in a "good state of repair"

However the slate falling has caused damage which resulted in escape of water which is a covered peril and thus you are eligable to claim for damage the waters caused

rrf494g

The sad truth is . . .

you are covered for whatever it says in the policy document for the insurance you took out. House "structure" (the nailed together bits) and house contents (loose stuff that you could take out out without tools) may be covered by different policies. There is no othere way of knowing what you are covered for, than reading the agreement you made with the insurance company.

Short answer on the roof slate may be that it fell off due to "wear and tear" and you may have taken out a policy that does not cover this.
regards

pedro123456

Can anyone shed any light on how the system works?

Yep I can rising, the swans egg you thought you had bought hatched out to be a ugly duckling.