SHEILAS WHEELS/E SURE

Alex444

So after the storm last week when rainfall was measured at 105.4mm and a state of emergency was declared, I have been trying to process my claim for internal damage as part of , my ceiling fell down due to ingress of water from a boarded and slated pitched roof. They sent out an assessor (building validation solutions)  within 72 hours and he priced the internal repairs, ignored any furniture and declared that no work was required externally, I am now getting a cheque sent less excess in settlement of this claim! The house is over a 100 years old, still has the original roof and has been fine for the last 30 years apart from replacing the occassional slate. In their booklet they state:-

3.Storm/flood

What is covered?
We will pay for loss of or damage to Your Buildings or Contents as a result of Storm or Flood.
What is not covered?
We will not pay for loss or damage:
• to gates, hedges or fences
• caused by frost
• caused by or resulting from the failure of a flat felt roof due to wear and tear or lack of maintenance
• caused by rising ground water levels which happens gradually over a period of time
• to car ports, canopies and awnings
• caused by Subsidence, Heave or Landslip

• to alterations or extensions to Your Building until completed.

Storm
A violent gale force 10 on the Beaufort scale reaching wind speeds of 55 mph or above and/or 25mm or more
of rainfall in any 24-hour period, and/or snow to a depth of at least 1 ft (300mm) in 24-hours and/or hail of such
intensity that it causes damage to hard surfaces or breaks glass, according to Our weather data.

The house is still not watertight and we go to bed praying that there will be no further storms, don't touch this company with a barge pole!!!!

dacouch

Maintaining the roof is part and parcel of being a homeowner, the Insurers are not liable for making good the roof unless the storm has damaged it. 

Alex444

Roof has been maintained regularily, inspected by roofer yesterday, confirms no missing slates etc., damaged caused by roof unable to cope with STORM conditions!

davidmcn

Alex444 said:

Roof has been maintained regularily, inspected by roofer yesterday, confirms no missing slates etc., damaged caused by roof unable to cope with STORM conditions!

If there are no missing slates etc, what exactly is the damage which has been caused by the storm?

Nearlyold

Alex444 said:

Roof has been maintained regularily, inspected by roofer yesterday, confirms no missing slates etc., damaged caused by roof unable to cope with STORM conditions!

If the roof is undamaged and unchanged by the storm, but unable to cope with a storm by nature of its design, build or aging then obviously it's not down to your insurer to make the roof storm proof, its down to you to establish (via your roofer) how and why the water is gaining ingress and fix the problem.