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Bathroom leak - floor damaged ( insurance with Churchill)
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Chursy_2
Posts: 1 Newbie
Hello
I have been away for two weeks and upon return after a stepped on a tile to get in to the bath ( weight bearing tiles) their level changed I.e they moved to go down in to the wood. Called a tiler to fix it and who identified a leak behind the bath covers ( so wouldn't have known). Fresh water piper had been dripping for a while in the background. The chip board ( times had been boarded to these ) had been soaking up all the water all this while and is now rotten hence the tiles changed levels. The floor underneath the bath was not tiled.
I am told the entire bathroom/units /toilets will have to come out - re floored, re tiled and re fitted .
Can I claim this on my house policy with Churchill - my policy is about two months old? Any advice much appreciated
I have been away for two weeks and upon return after a stepped on a tile to get in to the bath ( weight bearing tiles) their level changed I.e they moved to go down in to the wood. Called a tiler to fix it and who identified a leak behind the bath covers ( so wouldn't have known). Fresh water piper had been dripping for a while in the background. The chip board ( times had been boarded to these ) had been soaking up all the water all this while and is now rotten hence the tiles changed levels. The floor underneath the bath was not tiled.
I am told the entire bathroom/units /toilets will have to come out - re floored, re tiled and re fitted .
Can I claim this on my house policy with Churchill - my policy is about two months old? Any advice much appreciated
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Comments
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No, not unless you have accident damage, and then you have an excess.
But please, why don't you ask the bulldog????I like the thanks button, but ,please, an I agree button.
Will the grammar and spelling police respect I do make grammatical errors, and have carp spelling, no need to remind me.;)
Always expect the unexpected:eek:and then you won't be dissapointed0 -
cyclonebri1 wrote: »No, not unless you have accident damage, and then you have an excess.
But please, why don't you ask the bulldog????
I deal with insurance companies all the time on this very subject. Sorry but you ate very wrong.
No accident has occured so that is irrelevant. This is an 'escape of water' claim and would normally be covered.Eat vegetables and fear no creditors, rather than eat duck and hide.0 -
My only concern is that could that my policy is two months old? Does it matter?
Also could they argue that this under wear and tear ?0 -
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I deal with insurance companies all the time on this very subject. Sorry but you ate very wrong.
No accident has occured so that is irrelevant. This is an 'escape of water' claim and would normally be covered.
No one's perfect:o:o;);), but the question still remains, why not ask the insurer? then you avoid taking in total rubbish from an idiot like me.I like the thanks button, but ,please, an I agree button.
Will the grammar and spelling police respect I do make grammatical errors, and have carp spelling, no need to remind me.;)
Always expect the unexpected:eek:and then you won't be dissapointed0 -
Guys trying to leverage of people with experience on this forum hence the post, before in give them a ring that's all. Will update after I have spoken to them.0
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Guys trying to leverage of people with experience on this forum hence the post, before in give them a ring that's all. Will update after I have spoken to them.
You also need to understand that the only people that can answer truthfully are your insurers. Policies differ between one company and the next so no one will know.Eat vegetables and fear no creditors, rather than eat duck and hide.0 -
Insurers always speak the truth? Not always. Sometimes they need to be shown the truth.Charles J0
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When you get the floor replaced, don't go with chipboard
15mm WBP would be ok depending on the weight of the tiles. Or Hardiebacker if you're not dead set old school.0 -
You also need to understand that the only people that can answer truthfully are your insurers. Policies differ between one company and the next so no one will know.
which is indeed what I told this chap, I'll sure you will disregard my minor inaccuracy given that comment.;) I like the thanks button, but ,please, an I agree button.
Will the grammar and spelling police respect I do make grammatical errors, and have carp spelling, no need to remind me.;)
Always expect the unexpected:eek:and then you won't be dissapointed0
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