Problem with drains cover on my home insurance

clarrie8466

Thank you magpiecottage, that at least has given me some tangible thoughts to put before my insurer.

Quentin, I am not just asking for opinions.....I am asking for advice - of course your advice is good, but perhaps others who read this thread may have direct relevant experience with good outcomes which they may wish to relate to me.

ILW

If the brick ended up there during the building of an extension, the liability will fall to the builder.

clarrie8466

ILW, I presumed that would be the case.....but cannot think of a way of proving it. Exactly the same bricks were used by another brickie to build a garden wall and by my next door neighbour for their wall too.

dacouch

Bear in mind that if the cover you have is "Emergency" Cover, it basically covers issues that are defined by the Insurers as an Emergency which is roughly an issue that could endanger life / cause injury or cause physical damage to your property.