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buildings insurance claim advice

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  • chris16v
    chris16v Posts: 5 Forumite
    flamecloud/tygetmoth. >
    define what you mean by impact peril. are you refering the "impact" as in what has happened? just expand on what you are implying. So i am assuming i need to check the policy wording.

    I am obviolsy not going to invite problems by being silly. However, a year ago we did an extension and i bolted on additoinal cover for this, mid term. Now had something gone wrong and a claim was made, that wouldnt have been suspicious or fraudulant.
  • chris16v
    chris16v Posts: 5 Forumite
    insurance i swith paragon: home and building, with AD for contents, without additonal AD for buildings.
  • FlameCloud
    FlameCloud Posts: 1,952 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    If you look in your policy booklet there will be a list of 10-13 events (called perils) that you are covered for- fire, subsidence, theft, escape of water etc. One of these will be 'impact' or something similar, which covers external objects from hitting your house. Depending on how this is worded, you might not need AD at all.
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