callapsed ceiling

KATHLEEN

Mojisola wrote: »

Plaster does deteriorate and get crumbly over time. We replaced some lath and plaster ceilings last year and the plaster was very fragile.

can i claim my building insurence fot the damage it made even if they dont repalce the ceiling

KATHLEEN

will the accidental damage on my building insurence cover the cost of damage it created

Mojisola

KATHLEEN wrote: »

can i claim my building insurence fot the damage it made even if they dont repalce the ceiling

TonyMMM wrote: »

You may be able to claim for the damage to items in the room, but not for the repair to the ceiling itself.

I think Tony has given the only answer. You can try claiming - wouldn't it be on your contents insurance? - but I wouldn't be very hopeful.

Mistral001

KATHLEEN wrote: »

if there saying it fell down on its own accord and damaged other items would i be able to claim accidental damage from my building insurence as it was an internal building fixture thanks;)

I think you have burned your bridges with your own insurance company. The fact that you said to your insurance company that the damage was caused by someone else means that they are unlikely to pay out under any circumstances and just tell you to get damages from the person who caused the problem.

macman

KATHLEEN wrote: »

will the accidental damage on my building insurence cover the cost of damage it created

No, because the only 'accidental damage' is to your fixtures and fittings. You would have to use the accidental damage cover on your contents insurance, if you have it.

macman

KATHLEEN wrote: »

ther was no cracks or warning or i would have delt with it
thanks

I'm sure you would, but that doesn't make your insurer liable. Your insurers aren't suggesting negligence on your part, they're simply telling you that it's wear and tear, and not accidental damage.