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Building insurance

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By (user no longer on site) OP   
over a year ago

random Question but...

does anyone Know if you can Claim on home insurance for Kitchen cupboards as the Space around my sink is too thin and the water has Ruined my cupboard doors Under the sink the wood has warped and gone rotten

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By (user no longer on site)
over a year ago

Best thing to do is read their leaflet or give them a call and ask them, check what your excess is though as that can make a difference between you having to pay most or all of it, plus how much your policy will go up if you make a claim

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By (user no longer on site) OP   
over a year ago


"Best thing to do is read their leaflet or give them a call and ask them, check what your excess is though as that can make a difference between you having to pay most or all of it, plus how much your policy will go up if you make a claim"

ok thanks never Claimed before so not sure about it all. tv has broken too and the cat pulled up the Carpet

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By (user no longer on site)
over a year ago

In a word no. The insurance may (I stress may) pay for the source of the leak to be repaired but the resultant damage is not covered by most polices.

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By *aisy100Woman
over a year ago

wakefield

I cant see why not, if your washer leaked and ruined laminate flooring then thats covered

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By (user no longer on site) OP   
over a year ago

think best get the policy out

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By (user no longer on site)
over a year ago

If tv is broke through wear un tear then no. Cant claim for damage done by pets.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo


"In a word no. The insurance may (I stress may) pay for the source of the leak to be repaired but the resultant damage is not covered by most polices."

I think damage caused by a leak is covered

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By (user no longer on site) OP   
over a year ago


"In a word no. The insurance may (I stress may) pay for the source of the leak to be repaired but the resultant damage is not covered by most polices.

I think damage caused by a leak is covered "

its substantial Damage. i guess i can Always Try.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo


"Best thing to do is read their leaflet or give them a call and ask them, check what your excess is though as that can make a difference between you having to pay most or all of it, plus how much your policy will go up if you make a claim

ok thanks never Claimed before so not sure about it all. tv has broken too and the cat pulled up the Carpet"

lol I don't think they replace goods that have broken.

As someone else said, you are best checking your policy and excess to see if it is worth claiming for any damamage by a leak though

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

damage *

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By *Ryan-Man
over a year ago

In Your Bush

Are you talking building insurance or contents insurance? They are two different things.

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By (user no longer on site) OP   
over a year ago


"Are you talking building insurance or contents insurance? They are two different things. "

Whichever covers water damage to kitchen cupboards

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By (user no longer on site)
over a year ago


"random Question but...

does anyone Know if you can Claim on home insurance for Kitchen cupboards as the Space around my sink is too thin and the water has Ruined my cupboard doors Under the sink the wood has warped and gone rotten "

I am not an expert, but from what you say, its damage that has been caused over time, not by a leak or accident, you knew there was a problem ( the space around my sink is too thin)

The insurance company would see it as lack of maintenance, rather than an insurable incident.

If your telly was knocked over, that is an accident and would be covered by a contents policy, as long as you are covered for accidental damage.

It is certainly worth trying, insurance costs enough, it would be nice to get some back, good luck

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By *Ryan-Man
over a year ago

In Your Bush


"Are you talking building insurance or contents insurance? They are two different things.

Whichever covers water damage to kitchen cupboards "

I ask because depending on your contents policy you may have an accidental damage cover. This may help you out with carpet and tv (maybe)

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By (user no longer on site)
over a year ago


"In a word no. The insurance may (I stress may) pay for the source of the leak to be repaired but the resultant damage is not covered by most polices."

Any intelligent loss adjuster will assess the cause And the effect....

Depends on the insurer... Certainly worth claiming for, because if your cupboards are water damaged then the source needs repairing and the wall/ floor and flooring may need remedial works.... Not just the cupboards...

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By (user no longer on site)
over a year ago


"In a word no. The insurance may (I stress may) pay for the source of the leak to be repaired but the resultant damage is not covered by most polices.

Any intelligent loss adjuster will assess the cause And the effect....

Depends on the insurer... Certainly worth claiming for, because if your cupboards are water damaged then the source needs repairing and the wall/ floor and flooring may need remedial works.... Not just the cupboards... "

PS: Check the grouting / sealant around the top and the back of your sink/ worksurface.... Water always finds a way in....

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By *inaTitzTV/TS
over a year ago

Titz Towers, North Notts


"random Question but...

does anyone Know if you can Claim on home insurance for Kitchen cupboards as the Space around my sink is too thin and the water has Ruined my cupboard doors Under the sink the wood has warped and gone rotten "

I used to validate insurance claims for a living, ie, spent all day looking at pics of problems and reading reports then deciding if it was covered or not.

IF the water has been leaking/spilling onto the cupboard doors for a period of time, then this would be classed as 'Gradually Operating Cause', something that has been going on for a while and should have been addressed by the householder before it became a problem.

The fact that the wood has had time to warp and go rotten would indicate that this is not the result of a one off incident and so would NOT be the result of an insurable peril. Your claim would most likely be repudiated in full, which would impact your premium when you renew, as these things have to be declared.

Sorry, Tina.

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By (user no longer on site) OP   
over a year ago


"random Question but...

does anyone Know if you can Claim on home insurance for Kitchen cupboards as the Space around my sink is too thin and the water has Ruined my cupboard doors Under the sink the wood has warped and gone rotten

I used to validate insurance claims for a living, ie, spent all day looking at pics of problems and reading reports then deciding if it was covered or not.

IF the water has been leaking/spilling onto the cupboard doors for a period of time, then this would be classed as 'Gradually Operating Cause', something that has been going on for a while and should have been addressed by the householder before it became a problem.

The fact that the wood has had time to warp and go rotten would indicate that this is not the result of a one off incident and so would NOT be the result of an insurable peril. Your claim would most likely be repudiated in full, which would impact your premium when you renew, as these things have to be declared.

Sorry, Tina. "

thanks Appreciate you help x

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By *ophieslutTV/TS
over a year ago

Central

Claims would partly be dealt with by the amount being claimed, as well as the cause. Some policies have water damage specifically stated as separate from main excesses, so a different excess may apply: again, checking the policy would help with this.

You could always ring the insurer, as if a prospective customer, and ask about water damage cover, for the type of policy that you have. This would then not be a discussion of a claim that would jeopardise what you may be able to claim for, if anything.

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