Home insurance claim

sabelu

I have buildings insurance which has emergency cover a couple of weeks ago I had water entering my bedroom down the wall and called home emergency. A roofer was despatched and ascertained that during storms I had a roof tile slip and a piece of gutter fall that had led to water entering under the tiles and the wood underneath the tiles and the liner were saturated. Obviously he did what was needed to ensure no further leak but it was not in his remit to replace the saturated wood or liner. My questions is, is there's a claim on my buildings cover here more than the decoration of my bedroom wall c£250 with £150 excess I.e for the structural replacement of damp would and roof liner?

Quentin

Depends on whether it really is storm damage or lack of maintenance.

sabelu

That's my dilemma could be construed either way I suppose house built in 1990

rs65

sabelu wrote: »

My questions is, is there's a claim on my buildings cover here more than the decoration of my bedroom wall c£250 with £150 excess I.e for the structural replacement of damp would and roof liner?

Surely the timber and liner will dry now that the tile has been refitted?

Quentin

sabelu wrote: »

That's my dilemma could be construed either way I suppose house built in 1990

You would need to tell your insurer when the storm was that caused the damage (if it is storm damage to blame).

sabelu

That was the date of the emergency call out but don't want to escalate to a claim if not covered as it will count as an occurrence.

Quentin

If you are sure the storm was the reason the damage was caused to the roof & gutter then you have a claim that should be paid.


(You usually only have to disclose actual "claims" to your insurers regarding home insurance, rather than "claims and losses")

paddyandstumpy

Quentin wrote: »

If you are sure the storm was the reason the damage was caused to the roof & gutter then you have a claim that should be paid.


(You usually only have to disclose actual "claims" to your insurers regarding home insurance, rather than "claims and losses")

Poor advice Quentin...

Confused.com helptext regarding claims history says the following:

You must include any incidents that resulted in damage to property, items being stolen or injury to other people. You should include these incidents whether or not you made a claim, and whether or not you were paid for that claim. Examples of incidents that we need to know about are any claim, burglary, vandalism, fire, water or storm damage.

Quentin

paddyandstumpy wrote: »

Poor advice Quentin...

Confused.com helptext regarding claims history says the following:

......

Not poor advice at all. (Which was about insurers - not comparison sites)


Confused.com isn't an insurer.


Insurers usually don't ask (there no doubt will be exceptions which will be why confused has that catch all helptext)


You tell us you work for an insurer - do you know the difference between an insurer and confused.com?

paddyandstumpy

Quentin wrote: »

You tell us you work for an insurer - do you know the difference between an insurer and confused.com?

I do. Thanks for checking though! :beer:

So will you steer the OP to the few insurers who don't use the aggs?

You say it's just a 'catch all helptext' but it's the question set insurers rely on. If I find out about an undisclosed claim, I'll look to see where the business came from and what question was asked.
If the OP was asked the question on confused, I'd expect all incidents to be declared.

Quentin

The op is worried this "occurrence" will go against him in future if it is rejected as a claim

You look to be telling him that it already has because confused requires losses to be disclosed.

But insurers don't usually. Eg direct line.

I have not suggested he doesn't disclose a claim at all.