Contents Insurance - claiming for new sofa and carpet

jojemac

Soooo, just need a bit of advice.

I've recently totally trashed my carpet in the spare room as along with it my sofa in the living room.

I put red hair dye on , and guess what, i spilt some on the floor and then I didnt notice that some also went on the sofa when I went downstairs. :mad: I've tried everything to get rid and nothing has worked.

So I am now intending to claim on my insurance to replace both. 2 things:

1) The carpet is my landlords,_pale__pale__pale_ will they replace that as I am the one that has ruined it?

2) I have 2 sofas exactly the same. One of them has the red dye on it. Would they replace BOTH the sofas or just the one that ruined? The reason I ask is that the sofas were bought at an outlet and were the last of the stock, so I really don't want mis-matched sofas. Id rather just not bother if thats the case.
The other sofa also has some damage on the cushion which is ball point pen which I cant get rid of, but we just turned the cushion over and ignored it. If I brought both things up do you think that would then have both of them replaced?

As I say if it comes to it I just wont bother claiming for the Sofas, but It would rather replace them now that both are ruined (Albiet by my own fault)

Thanks in advance.

phill99

As the carpet is not yours, it's unlikely they would cover it.

The answer to the sofa question is 'it depends'. It depends on a clause in your policy covering sets of items. If it's a budget policy, they normally exclude sets ie suites of furniture etc. if you have a higher cost policy, they may well cover sets of items. You need to examine your policy.

Sally_A

phill99 wrote: »

As the carpet is not yours, it's unlikely they would cover it.

Agree, but the Landlord could still hold the tenant liable, so maybe under tenants liability section under the contents policy (dependant on wording) or withhold from deposit.

I bet the excess is huge though.

Buzby

Professional cleaning is also an option. Further, as I was an accident, you would need this additional level of cover - standard contents cover would not geta replacement.

Another gotcha is your excess (assuming they agree to cover you) this may be treated as 2 incidents so your excess would apply for each of hem.