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Can you claim on insurance retrospectively?
foreverblueuk
Posts: 10 Forumite
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
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
0
Comments
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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.0 -
Agree with the above, buildings insurance will not pay out for a wear and tear claim such as a replacement roofIf you are querying your Council Tax band would you please state whether you are in England, Scotland or Wales0
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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.
Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.0 -
Two identical threads with different titles:
https://forums.moneysavingexpert.com/discussion/6403023/retrospective-insurance-claim
Know what you don't0
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