Tiles Off Roof - Ins Wont Pay As There Have Been No High Winds

InsideInsurance

mystic_bertie wrote: »

i went with MORE THAN due to the good quote and low excess. Next time i take out insurance for my home i will be more careful and try to choose a better policy rather than the cheapest.

One of the easiest ways for an insurer to reduce their price is to cut cover so that claims are lower - claims costs represent circa 65% of your premium (for Home, for Motor its higher) so heavily reflect in price.

Home insurance in particular should be value rather than price though what is good value will be different for each person because they've got different requirements etc

rs65

mystic_bertie wrote: »

about a week ago when i noticed a smashed tile on my driveway. Im in scotland, ayrshire.

It was pretty windy last Friday in Ayrshire.

Try wunderground.com/history

SailorSam

It shouldn't cost a lot to replace just 3 tiles, so even if you're insurance did cover it you could find because of your excess you wouldn't get the money anyway.

TSx

rs65 wrote: »

It was pretty windy last Friday in Ayrshire.

Try wunderground.com/history

Tiles shouldn't be moving with gusts of 41mph... storm is generally viewed as 55mph (insurers will consider lower) as per the beaufort scale.

I would suggest speaking to the warranty provider though (Buildmark/NHBC?) as they may be able to help

mystic_bertie

thanks everyone for your help, ill contact the NHBC and see what they say, if they dont entertain the repair ill jsut have to try and get it fixed using a roofer, cheers all.

Leew1231

SailorSam wrote: »

It shouldn't cost a lot to replace just 3 tiles, so even if you're insurance did cover it you could find because of your excess you wouldn't get the money anyway.

It could cost loads, do you know the details of the house? It could be 3 storey that requires a scaffold erecting. Any reputable roofer should use at least 2 people not just 1.
The OP mentioned leak into the room below. It may need new insulation in the loft, the plasterboard may need replacing, and skimming and repainting and electrics checking / repairing.

Leaks are terrible, get it done asap. If you can get a roofer out get receipts and continue your fight with the insurance company. Take loads of dated pictures. Get the roofer to take pictures when he is up there, ask for a receipt that says 'storm damage repairs'.

mystic_bertie

Leew1231 wrote: »

It could cost loads, do you know the details of the house? It could be 3 storey that requires a scaffold erecting. Any reputable roofer should use at least 2 people not just 1.
The OP mentioned leak into the room below. It may need new insulation in the loft, the plasterboard may need replacing, and skimming and repainting and electrics checking / repairing.

Leaks are terrible, get it done asap. If you can get a roofer out get receipts and continue your fight with the insurance company. Take loads of dated pictures. Get the roofer to take pictures when he is up there, ask for a receipt that says 'storm damage repairs'.

thanks for the advice i will do that, just looking up a roofer just now will let you know how i get on

Dangermac

Leew1231 wrote: »

It could cost loads, do you know the details of the house? It could be 3 storey that requires a scaffold erecting. Any reputable roofer should use at least 2 people not just 1.
The OP mentioned leak into the room below. It may need new insulation in the loft, the plasterboard may need replacing, and skimming and repainting and electrics checking / repairing.

Leaks are terrible, get it done asap. If you can get a roofer out get receipts and continue your fight with the insurance company. Take loads of dated pictures. Get the roofer to take pictures when he is up there, ask for a receipt that says 'storm damage repairs'.

Was the damage caused by storm?

mystic_bertie

Dangermac wrote: »

Was the damage caused by storm?

the last storms were earlier this year, but there were no storms when the tiles fell off, so im guessing maybe they were loosened and eventually slid out.

Dangermac

mystic_bertie wrote: »

the last storms were earlier this year, but there were no storms when the tiles fell off, so im guessing maybe they were loosened and eventually slid out.

This could be pretty hard to prove. Not impossible though.

I would recommend that you get an estimate to put right the damage, before you calculate whether it's worthwhile claiming anyway.

Then you can plan your next move with the insurance.

DM