Home insurance claim - replace only the glass or a new patio door?

starkiwi26

Dear fellow members,
I broke my patio glass accidentally. I called and asked my insurance, they reminded me that I have £100 excess and asked me to get a quote to proceed with the claim. This is my first insurance claim after purchase this house more 5 years ago.
I called a local tradesman which he dropped by for the measurement and provided me a written quote as below because I need it for my insurance. I have to admit the patio windows is old and his concern of breaking the door when replacing the glass is valid. As much as I wanted a new patio door, but it is a difficult time at Covid now, I just wanted to fix this at the minimum cost with insurance and move on with my life.
My questions are:
a) Would the insurance replace the £300 glass or £750 a new patio door?
b) Let's say the insurance replaces only the £300 glass, what if the glass replacement fails and kill the door?
Thanks.

"as discussed the quotation to replace the toughened safety glass unit in your sliding patio door Will be £300 including vat and installation.

Also as discussed due to the sliding patio door being over 30 years old and the door designed as a aluminum wrap around door, meaning the top, bottom and sides of the door need to be removed in order to get to the glass unit.  The chances are that the rubber seal that seals the aluminum door to the glass will be perished and cracked, the screws that hold the door together could be rusty with the possibility of breaking off as we try to dismantle the door.

On this basis I would advise you to consider changing the old aluminum doors to new upvc doors with a 10 year warranty, which will be £750 including vat and installation"

Sandtree

You'd need to have a conversation with your insurance company, there is a risk that based on the way its been worded that they would settle at £300 because the repairer has said it can be done and say its defective workmanship and a matter between you and your repairer if they broke the door in the process or its a matter of wear and tear so excluded from cover of the policy.

If the claim is only £200 (£300 minus excess of £100) it may be questionable if its economic to actually make it when you consider the claim having to be declared for 3-5 years etc

sheramber

Can rubber seals and screws not be replaced with new?
It is in the tradesman's interest to sell you a new door.
 

Tommyp100

starkiwi26 said:

Dear fellow members,
I broke my patio glass accidentally. I called and asked my insurance, they reminded me that I have £100 excess and asked me to get a quote to proceed with the claim. This is my first insurance claim after purchase this house more 5 years ago.
I called a local tradesman which he dropped by for the measurement and provided me a written quote as below because I need it for my insurance. I have to admit the patio windows is old and his concern of breaking the door when replacing the glass is valid. As much as I wanted a new patio door, but it is a difficult time at Covid now, I just wanted to fix this at the minimum cost with insurance and move on with my life.
My questions are:
a) Would the insurance replace the £300 glass or £750 a new patio door?
b) Let's say the insurance replaces only the £300 glass, what if the glass replacement fails and kill the door?
Thanks.

"as discussed the quotation to replace the toughened safety glass unit in your sliding patio door Will be £300 including vat and installation.

Also as discussed due to the sliding patio door being over 30 years old and the door designed as a aluminum wrap around door, meaning the top, bottom and sides of the door need to be removed in order to get to the glass unit.  The chances are that the rubber seal that seals the aluminum door to the glass will be perished and cracked, the screws that hold the door together could be rusty with the possibility of breaking off as we try to dismantle the door.

On this basis I would advise you to consider changing the old aluminum doors to new upvc doors with a 10 year warranty, which will be £750 including vat and installation"

What did you do in the end? Mowers just flicked a stone into mine 😏