Contents or Buildings

red_lippy

I've had water damage in my flat which has damaged floating wood floor (click system wood panels that sit on top of underlay on top of permanent building screed floor). I'm hoping to claim on contents insurance as excess significantly less than buildings. its easy to remove the flooring (no nails or glue) but there is skirting in some sections of the rooms -some of which i had to remove...other sections I could slide the wood underneath. Can I claim this on contents insurance?  

luci

I very much doubt it. There's a simplified way that's often mooted about knowing what's regarded as contents and what's regarded as buildings. If you picked up a house and turned it upside down. Anything that fell would be contents. The rest would be buildings.

It's important to make sure you set your excess to an amount that is affordable for you.

MyRealNameToo

red_lippy said:

I've had water damage in my flat which has damaged floating wood floor (click system wood panels that sit on top of underlay on top of permanent building screed floor). I'm hoping to claim on contents insurance as excess significantly less than buildings. its easy to remove the flooring (no nails or glue) but there is skirting in some sections of the rooms -some of which i had to remove...other sections I could slide the wood underneath. Can I claim this on contents insurance?  

What does your Contents policy state about Fixtures & Fittings?

Does your policy include "Tenants Improvements"?

In principle laminate flooring is normally considered fixtures and fittings and therefore falls under buildings insurance in the same way a fitted bathroom or kitchen is. Given freeholder's policies typically only have to return things back to their original condition and people invest money to upgrade their fixtures and fittings it is possible to get contents policies that include tenant improvements on contents that covers upgraded fixtures. Some include it as standard at a basic level, more have an option to get a more substantial limit but often not via online quotes.