Time limit on Buildings Insurance?

frasernm

We had water damage to our kitchen ceiling (top floor flat) as a result of rain water penetrating the roof.

This happened several times over a number of years, each time the factor would patch up the roof, but sooner or later more water would come dripping through the ceiling

Last year, a new roof was installed, and no there's no longer any problem with water dripping through - so is it too late to claim for this on my building insurance?

The only reference to time I can find in my policy booklet is "if you have been asked to fill in a claim form, send this back to us with everything that has been asked for, within 30 days of the date of the claim".

Thanks in advance.

_Andy_

Have you rung your insurance company and asked?

frasernm

Yes, they pointed out that sentence about the 30 days.

dunstonh

30 days seems to be about returning forms.

Do note that maintenance, such as replacing roofs, is not something you can claim for.

InsideInsurance

Your also onto a loser on the maintenance requirement of your policy on the basis that you say:

This happened several times over a number of years

Given you are required to keep your property in a good state of maintenance and had to make a statement it was in good state of repair when you took the policy out then you will fail on both of these as you left it for "a number of years"

frasernm

Thanks for your comments.

Our policy is a block policy through the housing association (we're in an ex-housing association block) - I won't have had to make any statement.

I only want to claim for the ceiling.

InsideInsurance

Whoever buys the policy agrees to the terms and conditions which includes the statement.... if you delegate the responsibility of buying to someone else then they are making it on your behalf