Can you claim on insurance retrospectively?

foreverblueuk

Hi,not sure if this is a daft question but would be grateful if any help.....even if it's to say don't be daft!

We moved into our house in Feb 2021, according to the reports it needed a brand new roof and part of the deal was that the seller contributed £3500 towards this. In the April we had a brand new roof put on at a cost of £14k, luckily we had the money from our house sale.
Now a friend has asked why didn't we claim on insurance, and that we could have claimed up to £01k, and I must admit it never even crossed our minds that we could have done this? 
Are we able to claim retrospectively for this or is that it really a done thing? We are with the same company and have all the receipts/invoices etc. 

P.S sorry if this question isn't in the right section. 

Thanks

 Victoria 

Rodders53

1.  No you can't claim for wear and tear on any Buildings Insurance.  Roof life expired replacement is wear and tear.

2.  IF it had been an insured loss (e.g. a car drove into your roof, say)  to claim retrospectively:  How will the Insurance Company loss adjuster be able to see the state of the roof due to that insured loss now you have fixed it?

3.  Why only £10k of the £14k cost?  My buildings insurance is 'unlimited' 'cos that's what I pay for.

lincroft1710

Agree with the above, buildings insurance will not pay out for a wear and tear claim such as a replacement roof

MalMonroe

Hi, no you can't claim retrospectively and also not if there isn't a problem like some kind of leaking or a tree crashing through the roof or tiles having blown off in storms, things like that. 

According to what you say, you were aware (because of the reports) that a new roof was needed when you moved in - and you moved in anyway - so no insurance company would pay out for it. Good try, though and not daft for asking. 

Exodi

Two identical threads with different titles:

https://forums.moneysavingexpert.com/discussion/6403023/retrospective-insurance-claim