Heat damaged hob & worksurfaces - rental property

ktb

I am a private tenant and today we unfortunately had an incident in our flat, which involved our hob accidentally being turned on under a pan before we went out and by the time we got home our smoke alarm was sounding and the flat was absolutely full of smoke.

I had to call the fire brigade and they got the pan off the hob but on inspection this evening (once the smoke had finally cleared) they obviously pulled the pan onto our work top and the hot pan has melted it. I'm also not sure how recoverable the ceramic hob top is, although we will try to clean it tomorrow.

As this is a fixture/fitting as opposed to contents, i'm not sure whether this needs to be claimed via the buildings insurance, can anyone advise please?

FutureGirl

It is not classed as contents, therefore you cannot claim on your contents insurance policy. Usually any 'tenants liability' cover only extends to drainage, windows, doors, etc.

As it's classed a buildings it needs to be claimed for under buildings policy, however I doubt your landlord will claim for this on his policy. As you caused the damage it's likely that the landlord will say that you need to deal with it. But you can always ask them.

ACG

Im with the above, unless your landlord is very nice I really can not see them doing anything other than passing this back to you to sort out.

rs65

FutureGirl wrote: »

It is not classed as contents, therefore you cannot claim on your contents insurance policy. Usually any 'tenants liability' cover only extends to drainage, windows, doors, etc.

I've never looked at this section before now but it reads that I have tenants liability for standard perils and, as I have AD for contents, I also have AD for fixed glass including ceramic hobs

HappyMJ

You would claim for damage to the kitchen worktop on the buildings insurance. That's if the LL has accidental cover. They might not. You would have to pay for the uninsured losses....i.e the excess. Usually about £500 or so.