New Kitchen stored in Relatives Garage which got flooded!
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yogisarah
Posts: 2 Newbie
Help. We had a new kitchen delivered into a relatives garage to store for a few weeks. Their whole house including garage got flooded during storm Ciaran. Their house insurance doesn't cover it as it wasn't for their house, and it looks like ours won't cover it either. Any suggestions of how/if we can claim. There's a few thousands pounds worth of damage. Many thanks
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Claim off whom? If both have confirmed its not covered, sadly its not covered.1
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Check both your respective policy books for any relevant clauses that you believe would indicate that they would be covered by either policy and go back and challenge if you find such clauses. If you cannot then they are correct and you have an uninsured event.0
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Still waiting to hear from our insurer as it's a very unusual claim, because it is a kitchen it normally comes under buildings insurance, not contents. But not sure whether we can claim through our credit card or is this only if it is faulty on arrival?0
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Why would you be able to claim it through your credit card?1
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yogisarah said:Still waiting to hear from our insurer as it's a very unusual claim, because it is a kitchen it normally comes under buildings insurance, not contents. But not sure whether we can claim through our credit card or is this only if it is faulty on arrival?
I am guessing by "credit card" you are thinking S75 or similar? These cover where the merchant has breached the contract, not sure how you plan to blame the merchant for a flood?
Some credit cards, AmEx were the last one I know that still offers it, did offer a token "purchase protection" for the first X days after purchase but it has a rather modest limit, the Platinum card is £2,500 maximum0
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