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Making a home insurance claim
DominicJ_2
Posts: 373 Forumite
Sorry if this is the wrong section.
Was rudely awoken yesterday morning, when some wall cupboards decided to become floor cupboards.
I've phoned my home insurance company and someone is supposed to be getting back to me, I'm kinda wondering what to expect, never claimed any sort of insurance before.
The cupboards are about 8 months old and cost about £400.
The two wall cupboards are smashed to pieces, the two base cupboards below have had the doors torn off, and the hinges ripped out, the tall side cupboard has a large scratch down the side.
Are they likely to say, sure, here have £400, or are they going to suck their gums and say, well, the top cupboards are nearly a year old, so you can have 70% of their worth, the base cupboards have only lost the doors, so you can have 30%, and the side cupboard is still functional, so you cant have anything?
Much the same goes for the TV, it was £379 almost exactly a year ago, the screens fine, but unless its muted, its making an annoying buzzing noise. Will I get a new TV? A year old TV? A partial payment that reflects that the picture is ok but the sound isnt?
And, its also chipped the laminate floor, pretty much dead centre of the room. Again, are they going to say, here, have two new floorboards
Or, here, have new flooring
:rotfl:
I did the entire downstairs in the same stuff.......
Or, "heres £50, buy a rug"
Never actually had to deal with them before
Thanks for any help
Was rudely awoken yesterday morning, when some wall cupboards decided to become floor cupboards.
I've phoned my home insurance company and someone is supposed to be getting back to me, I'm kinda wondering what to expect, never claimed any sort of insurance before.
The cupboards are about 8 months old and cost about £400.
The two wall cupboards are smashed to pieces, the two base cupboards below have had the doors torn off, and the hinges ripped out, the tall side cupboard has a large scratch down the side.
Are they likely to say, sure, here have £400, or are they going to suck their gums and say, well, the top cupboards are nearly a year old, so you can have 70% of their worth, the base cupboards have only lost the doors, so you can have 30%, and the side cupboard is still functional, so you cant have anything?
Much the same goes for the TV, it was £379 almost exactly a year ago, the screens fine, but unless its muted, its making an annoying buzzing noise. Will I get a new TV? A year old TV? A partial payment that reflects that the picture is ok but the sound isnt?
And, its also chipped the laminate floor, pretty much dead centre of the room. Again, are they going to say, here, have two new floorboards
Or, here, have new flooring
:rotfl:
I did the entire downstairs in the same stuff.......
Or, "heres £50, buy a rug"
Never actually had to deal with them before
Thanks for any help
0
Comments
-
Sorry if this is the wrong section.
Was rudely awoken yesterday morning, when some wall cupboards decided to become floor cupboards.
I've phoned my home insurance company and someone is supposed to be getting back to me, I'm kinda wondering what to expect, never claimed any sort of insurance before.
The cupboards are about 8 months old and cost about £400.
The two wall cupboards are smashed to pieces, the two base cupboards below have had the doors torn off, and the hinges ripped out, the tall side cupboard has a large scratch down the side.
Are they likely to say, sure, here have £400, or are they going to suck their gums and say, well, the top cupboards are nearly a year old, so you can have 70% of their worth, the base cupboards have only lost the doors, so you can have 30%, and the side cupboard is still functional, so you cant have anything?
Much the same goes for the TV, it was £379 almost exactly a year ago, the screens fine, but unless its muted, its making an annoying buzzing noise. Will I get a new TV? A year old TV? A partial payment that reflects that the picture is ok but the sound isnt?
And, its also chipped the laminate floor, pretty much dead centre of the room. Again, are they going to say, here, have two new floorboards
Or, here, have new flooring
:rotfl:
I did the entire downstairs in the same stuff.......
Or, "heres £50, buy a rug"
Never actually had to deal with them before
Thanks for any help
What caused the wall units to come down?0 -
If they fell off due to poor workmanship then you need to claim off the workman.0
-
If they fell off due to poor wormanship then you need to claim off the workman.
Possibly - in respect of part of the damage (i.e the units themselves). For consequential damage, there should be no reason that the OP cannot make a claim, and the insurer reclaims from the tradesman - assuming that the OP has Acciedental Damage on both Contents & Buildings.
DM0 -
Possibly - in respect of part of the damage (i.e the units themselves). For consequential damage, there should be no reason that the OP cannot make a claim, and the insurer reclaims from the tradesman - assuming that the OP has Acciedental Damage on both Contents & Buildings.
DM
Although there is no reason that the OP cannot make any claim if he is covered, there are good reasons to avoid doing so if you can go elsewhere!
If there is a liable third party to get recompense from, then avoiding a claim on your insurance is always better than making an unnecessary one!0 -
Sorry if this is the wrong section.
Was rudely awoken yesterday morning, when some wall cupboards decided to become floor cupboards.
I've phoned my home insurance company and someone is supposed to be getting back to me, I'm kinda wondering what to expect, never claimed any sort of insurance before.
The cupboards are about 8 months old and cost about £400.
The two wall cupboards are smashed to pieces, the two base cupboards below have had the doors torn off, and the hinges ripped out, the tall side cupboard has a large scratch down the side.
Are they likely to say, sure, here have £400, or are they going to suck their gums and say, well, the top cupboards are nearly a year old, so you can have 70% of their worth, the base cupboards have only lost the doors, so you can have 30%, and the side cupboard is still functional, so you cant have anything?
Much the same goes for the TV, it was £379 almost exactly a year ago, the screens fine, but unless its muted, its making an annoying buzzing noise. Will I get a new TV? A year old TV? A partial payment that reflects that the picture is ok but the sound isnt?
And, its also chipped the laminate floor, pretty much dead centre of the room. Again, are they going to say, here, have two new floorboards
Or, here, have new flooring
:rotfl:
I did the entire downstairs in the same stuff.......
Or, "heres £50, buy a rug"
Never actually had to deal with them before
Thanks for any help
Okay:
- The units themselves (the ones that fell) are unlikely to be covered unless they have fallen off of the wall because of storm/fire/accidental damage etc.
- You should contact the Contractor about the dodgy cupboard units (assuming that you have a tradesman)
- The consequential damage (to floor / tv etc) should be covered, assuming that you have Accidental Damage on both Contents & Buildings. The laminate floor is likely to be treated as Buildings, the TV is obviously Contents.
- The cover should be New for Old (contents) / Reinstatement (buildings), therefore, you should be able to claim for the new replacement equivalent of what was damaged.
- Your insurer may look to recover their outlay from any contractor (assuming of course that it isnt yourself)
- Policy will have an excess (maybe £50 / £100?) - check your policy
DM0 -
Although there is no reason that the OP cannot make any claim if he is covered, there are good reasons to avoid doing so if you can go elsewhere!
If there is a liable third party to get recompense from, then avoiding a claim on your insurance is always better than making an unnecessary one!
Agreed.
I was just clarifying that the OP doesnt 'need' to claim from the trademan. That would give the impression that he didnt have any cover.
DM0 -
Agreed.
I was just clarifying that the OP doesnt 'need' to claim from the trademan. That would give the impression that he didnt have any cover.....
If a tradesman is responsible, then it is irrelevant whether or not he has any insurance cover! He is liable and worth pursuing in the first instance for all the good reasons to avoid making an insurance claim.
(You have subsequently posted that the op will face paying his excess if he makes an insurance claim, and so would then have to still pursue another claim against any liable third party to recover this!)0 -
If a tradesman is responsible, then it is irrelevant whether or not he has any insurance cover! He is liable and worth pursuing in the first instance for all the good reasons to avoid making an insurance claim.
(You have subsequently posted that the op will face paying his excess if he makes an insurance claim, and so would then have to still pursue another claim against any liable third party to recover this!)
It's not irrelevant at all.
1. You gave the impresssion that the OP was not covered and that he had to pursue the Tradesman
2. Bear in mind that any claim against a tradesman may be drawn-out, depending on whether liability is admitted.
3. Bear in mind that, if the trademan does admit liability, any claim would be on an 'indemnity' basis (as opposed to a new for old basis), whereas the household policy is new for old.
The OP has options.
I actually suspect there is no trademan involved.
DM0 -
It's not irrelevant at all.
1. You gave the impresssion that the OP was not covered and that he had to pursue the Tradesman
2. Bear in mind that any claim against a tradesman may be drawn-out, depending on whether liability is admitted.
3. Bear in mind that, if the trademan does admit liability, any claim would be on an 'indemnity' basis (as opposed to a new for old basis), whereas the household policy is new for old.
The OP has options.
I actually suspect there is no trademan involved.
DM
The OP should also bear in mind that making a claim against his policy could well affect his premium.0 -
What a palaver.
The top cupboards arent covered, fair enough, but everything else is.
They are sending out "Independent Inspections" to "inspect",
Thirty seconds of google says they are in fact furniture retailers, not "inspectors"....
That will be fun, pushy salesman, no doubt charging them more than I would just have accepted and trying to foist crap on to me.
Could understand if I was claiming a lot, or didnt have pictures of everything.
Oh well, there money.0
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