Bathroom floor insurance claim

Andi_B

Hi 
we’ve had a full renovation of our bathroom just over a year ago. Part of the work was done by myself and the floor was tiled by a professional. We recently noticed some of the grout cracked and tiles loose. We called the tiler and they came to look. When they lifted the tiles up the self leveller had cracked so badly it was loose. They didn’t lay the self leveller (which is also covering the heated floor cabling) they recommend ripping it all up and starting again. Before I contact my insurance, do you guys think this might be an eligible claim? We’ve been quoted £1300 plus materials which will be about £2200 I’d think. 

CSI_Yorkshire

Did you lay the self leveller (you imply so)?

Could the tiler tell if it was badly laid or whether it was defective product?

bryanb

Insurance is for accidents, not maintenance

Andi_B

CSI_Yorkshire said:

Did you lay the self leveller (you imply so)?

Could the tiler tell if it was badly laid or whether it was defective product?

Yes I laid it myself. I’ve done it before and not had a problem. Just never with underfloor heating which was laid on insulation foam. Everything was done correct and how it should have been done. They’ve not said only thing they said was it shouldn’t have been laid on the foam?? 

DullGreyGuy

Home insurance is written on an insured peril basis and so to be able to make a claim you will have to prove the issue is as a result of flood, fire or whichever perils your particular insurance covers. 

Typically defective workmanship, design flaws and gradually acting causes are explicitly excluded. 

In principle from what you say it sounds unlikely to be an insured event