buildings insurance claim advice

chris16v

hi all,
yesterday we had a delivery of bricks on several pallets onto our drive. They were craned off and stacked in pairs. One wooden pallet collapsed and fell crashing into our boundry wall. the whole wall collapsed.
Is this something which would normally be covered by buildings insurance or buildings accidental cover? I know someones going to say "have i checked this policy working", but the wording is not specific to every eventuallity of course. i dont want to call and ask the insurers until i get some advice first. We removed the accidental cover last year after we completed an extension. doh!

any advice?

McKneff

Could you claim from the people who did the delivery, how did the pallet collapse.

chris16v

we thought about that. pallet probably collapsed under weight or being moved or damaged in transit? i dont know.
we bought the bricks from a private seller on ebay, they organsed a truck courier to deliver the pallets. I dont know who that delivery company was. yes i signed for delivery but did not get a delivery note.

Tygermoth

Sorry as you have no AD cover I would say your insurers would say no.

They very unlikely take on the claim even with the potential of recovery

TSx

In the policy booklet without AD, you're looking for a specific peril (such as fire, storm etc) - I'd say it's very unlikely this would be covered under anything other than accidental damage.

chris16v

ok i understand the AD bit.
I know its not ethically correct but pressuming we can all bolt on AD at any point in the policys life, i am considering adding this to the policy, waiting a week and then try claiming.
Now i wonder if this would look "too" suspicious or fraudulant. afterall it will be a low value claim (lets say £600) so would they bother to investigate.
all opinions invited on this comment.

bingbong1978

chris16v wrote: »

ok i understand the AD bit.
I know its not ethically correct but pressuming we can all bolt on AD at any point in the policys life, i am considering adding this to the policy, waiting a week and then try claiming.
Now i wonder if this would look "too" suspicious or fraudulant. afterall it will be a low value claim (lets say £600) so would they bother to investigate.
all opinions invited on this comment.

Yeah, sounds like a good idea if you want to be done with fraud. Insurance companies are not stupid and would be pretty wise to that attempt.

TSx

chris16v wrote: »

ok i understand the AD bit.
I know its not ethically correct but pressuming we can all bolt on AD at any point in the policys life, i am considering adding this to the policy, waiting a week and then try claiming.
Now i wonder if this would look "too" suspicious or fraudulant. afterall it will be a low value claim (lets say £600) so would they bother to investigate.
all opinions invited on this comment.

Yes, they would certainly investigate if you add AD on and then make a claim... very, very few people add or remove AD (on buildings) other than at renewal time

FlameCloud

What insurer are you with? Alot of insurers impact perils wording are not strong enough to resist a claim like this.

Tygermoth

Most insurers would look to validate your claim if there is a sudden change in cover then a claim.

Regardless of value.

Tygermoth

Mmmm FlameCloud good call....impact is a possible route.... would need the wording and exclusions of both the impact aspect and the AD to review.