Home Insurance Discussion

dacouch

archer1204 wrote: »

Hi hopefully someone can help me please.I am an owner(freehold) of an apartment on the 3rd floor.What i want to know is i pay a service charge of £1200 a year which covers buildings insurance etc but no ground rent as i am a freeholder.I have contents insurance which covers my belongings and if due to my washing machine flooding the apartment below me their contents.However the contents insurance clearly does not cover any damage to the ceiling,floors etc.
Due to quite a few claims from other apartments this year the buildings insurance company have now put an £5000 excess on any new claims.
I just wonder what my next step should be.
I have been told i am not allowed to get a separate policy to cover the £5000 excess fee for water damage.
Do i look at getting and paying for buildings insurance on my own which hopefully doesn't have a £5000 excess fee and see if i can claim back the proportion of service charge(looks like about £250)
Or is there another way.
If anyone has any useful advice or need any other information please post away.

A £5000 excess, the other flat owners must have had about 8 claims in the three years for an Insurer to impose that.

Are you in Scotland or Wales/ England

Andy002

I am about to renew my home insurance for building and contents. My house is currently 3 bed and as of next week our loft conversion starts making it a four bed with 2 baths.

My question is this.... Is it better to insure the house as it will be to save adjustment charges, admin, etc or should I insure as is and amend?

The builders are properly registered with the FMB. And have full indemnity liability and works insurance.

I'm inclined to insure with the extra rooms given that the work will be done in 8 weeks and insurance due at the end if this month.... But what's the view of the forum?

Quentin

You don't get penalised for over insuring!

Sandford

We live in the north of Scotland and were recently hammered by gales over 100mph. Our garage lost a metal strip down one side - approx a foot wide and running the full length of the garage. It plus about another foot of the roofing edge was ripped off by the wind. The insurance assessor was round today to look at the damage and advised my partner that they will not pay out one penny as the metallic strip was rusty. We live beside the sea - what do they expect ? The strip was painted every few years and was intact before the winds. We've never made a claim on home insurance and now we face a potential large bill for a roof repair (or new roof) which should be covered by our insurance. We are with ESure. Can anyone advise if we can appeal to someone or refer the case to an independent overseer or ombudsman (if there is such a thing ?). We are not in a position to afford a new roof.

Thank you.

KPNuts74

We recently insured with lookhomeinsurance.co.uk - it was a good premium with really great cover.