Home/contents Claim following a fire - heads up for flood victims too.

BrambleJam99

We are undergoing a house/contents claim following a fire. The clean-up /debris removal charge has been deducted from our contents final settlement offer. The charge is in the region of 15k.

There is no mention of clean up/disposal charges in the policy docs, so the amount came as quite a shock. Is this normal? Why isn’t it mentioned? Had I known when taking out the policy that this amount could potentially be deducted from my contents cover I would have upped the cover. When a policy states 75k contents cover, you assume that amount is only to replace contents. Can I dispute this because I had no knowledge of this prior to the event?

Warning/heads up to those facing a clean up and debris disposal.

DullGreyGuy

So how much is your claim for? The full £75k?

glennevis

Wouldn't the clean-up/debris removal charge be claimed on your buildings insurance policy?