Emergency services broke front door - Buildings Insurance or Home insurance

flightinfo

The Police had to break front door of a flat to gain emergency access. I don't have a copy of the Buildings Insurance but my understanding is that repair for this would fall under Buildings, not Home insurance. (It is not my flat which is why I don't have the documentation - not sure if the flat owners will have it to hand.)

Have spoken to the managing agent of the block of flats who said it was not their responsibility but came under flat owner's own insurance.

Obviously, I can ask for a copy of the Buildings Insurance but am trying to get this sorted asap as the door is currently boarded up. I have looked at a couple of different insurance policies online and both clearly state that this would be covered under Buildings Insurance.

So am I right in assuming what was my original thought - that this is Buildings, not contents. I fail to see how a front door is contents. I did point out to the managing agent that all the flats in the block have the same door - which does imply that it is something they would be responsible for.

The man repairing the door overhead my conversation, and he obviously has to go to other jobs like this, and he also thought it would be covered under buildings insurance.

Any thoughts appreciated before I ring them first thing tomorrow.

Thank you.

dacouch

It's Building Insurance

Quentin

Definitely building insurance.

flightinfo

Thank you - that's what I thought. Dealing with it on behalf of elderly relatives. Will phone the managing agent first thing in the morning and insist it is sorted out.

Man who came to do temporary repair was sent from the managing agent and he said he is still able to get the same front door.

dacouch

Valera wrote: »

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Stop making a fool out of me

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missile

Our Managing Agent has a copy of their buildings insurance certificate displayed on our noticeboard.

Tygermoth

My insurer did not cover this.

The damage was done with forthought and planning by the Emergency Services and not an 'Accident'

It did not fit under cover elsewhere (not fire, flood or escape of water for example)

As such we ended up having to take on the cost of repair.

Large major insurerr - household name.

InsideInsurance

Why did the emergency services have to break in? Who is the insurer?

It is correct that the emergency services are clearly not accidental damage however most insurers do cover their gaining access either in the case of a medical emergency or to prevent damage to the property... if they are breaking in to arrest someone then no one will cover it

flightinfo

Just an update - thanks to everyone who answered. Spoke to the managing agents again this morning and they are dealing with it - the building insurance does cover it. I was given the incorrect information yesterday by someone in their office.