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Timberrrrr !
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It's expected that you, as a policy holder 'mitigate your losses'. So the water leak and ceiling collapsing is a good comparison. If there is a fault, then you are expected to deal with it as soon as possible, not let it continue which would mean the loss (and hence the cost to the insurance company) would increase.
The insurers won't pay for the removal of the tree (insurance isn't a maintenance service). However if the tree falls and it transpires that you were aware of the tree problem, it is very likely that the insurers will reduce their payout.
It's not really comparable....or am I missing something....dripping tap.....or tree falling on house....please equate.....I just need a answer !0 -
It's not really comparable....or am I missing something....dripping tap.....or tree falling on house....please equate.....I just need a answer !
It's not the tap dripping or a tree falling on your house that is comparable. The comparison is that you knew of something that could cause a liability for an insurance claim, yet you have done nothing about it. Therefore, you have not mitigated your losses and have opened yourself up to the insurance company either refusing to pay out in the event of a claim or significantly reducing the amount that is paid out.Eat vegetables and fear no creditors, rather than eat duck and hide.0 -
I would cut it right down but leave the roots in, for now anyway.:eek:Living frugally at 24 :beer:
Increase net worth £30k in 2016 : http://forums.moneysavingexpert.com/showthread.php?p=69797771#post697977710 -
It seems clear you wil have to do something about this tree. You say in one post that the quote is £2400 and then that you have quotes. Are they all for £2400 or is this the cheapest? See advice below from another site. It seems you are being quoted a very high price and should seek an alternative.The price of hiring a professional for tree removal will vary depending on the size and position of the tree; ranging from £75 to as much as £2,000. Treesurgery.com put the average tree felling cost at £250 per tree. Always get at least three quotes for tree removal and check references and insurance credentials before you hire. It’s important to draw up a contract once you’ve hired your tree surgeon, stating exactly what the work entails, how much it costs and what will be done with the debris afterwards.0
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I believe you have been given an answer.., no.., several times. However, we don't have your policy to refer to. I suggest u read it or go to the CAB and ask their advice. I suspect the answer will still be no though.0
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It's not really comparable....or am I missing something....dripping tap.....or tree falling on house....please equate.....I just need a answer !
This tree is in a dangerous state. Sort it out.
Your house insurance almost certainly says something like "you keep the house in a good state of repair" - some are getting more fussy about things like trees too.
If the tree had blown over completely in one go and damaged your house then your insurance should have covered it. As it hasn't then your failure to deal with the problem might leave you uncovered.
Get more quotes. Get it done.
If tap drips - could fill sink if plug left in and overflow at some point causing damage.
A stitch in time saves nine.0 -
It's fallen...thanks for all your replies......only taken out the conservatory ....and a bit of the roof.....thanks for all the informative answers....maybe I didn't quite state how critical the situation was....and yes I'm now claiming via insurance !0
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Was it the tree that you never posted about in a forum, never noticed anything wrong with, never got a quote for removal and after just getting home from work found had fallen on your conservatory?
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Why do I get the feeling that the tree had fallen from the outset, and we've all been had?0
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