Halifax insurance - never again

Aretnap

"Wear and tear" and "anything that happens gradually over a period of time"(or a similar form of words) are standard exclusions on virtually all home insurance policies' so you wouldn't necessarily be better off with another insurer. Home insurance is really designed to deal with unexpected one off events like fire' flood, storms etc - not ongoing maintenance problems which to a large extent are part of the joy of owning a home. (Arguably the big exception to this pattern is subsidence)

If you want a policy which will help in situations like this in future then the thing to do is is make sure it includes legal expenses cover. That way it would pay for the solicitor (and if necessary legal action) to force the neighbour to carry out repairs. Some home policies have legal cover as standard but with many it's an optional extra.

nickyjo1

I do have that cover but when I enquired about it, it was that not straight forward - meaning they had to assess the problem to see if it was eligible to be covered which took time, then if it was eligible for cover under legal expenses cover there was an excess fee.

csgohan4

Aretnap wrote: »

"Wear and tear" and "anything that happens gradually over a period of time"(or a similar form of words) are standard exclusions on virtually all home insurance policies' so you wouldn't necessarily be better off with another insurer. Home insurance is really designed to deal with unexpected one off events like fire' flood, storms etc - not ongoing maintenance problems which to a large extent are part of the joy of owning a home. (Arguably the big exception to this pattern is subsidence)

If you want a policy which will help in situations like this in future then the thing to do is is make sure it includes legal expenses cover. That way it would pay for the solicitor (and if necessary legal action) to force the neighbour to carry out repairs. Some home policies have legal cover as standard but with many it's an optional extra.

Even the premium house insurers have wear and tear policies


However most insurers have legal cover but will only cover you if you have a 51% chance of winning, i.e you will win

missile

No insurer would pay out for repairs due to wear and tear. They will (usually) pay for consequential damage.

You do not say what damage has been caused to your property?

nickyjo1

so far the damage is confined an area of roof felt and timbers around the neighbours chimney stack Halifax wont cover under any criteria at all.