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At what point do you use House Insurance?

Rob zombie

Rob zombie

Registered
5Years
Joined
Nov 30, 2018
Messages
2,457
Location
Conwy
I need to quantify this by saying that I've never in my life ever claimed on any kind of insurance policy so this is new territory for me.

On Thursday night we had some high winds throughout the night. In fact I didn't get any sleep at all worrying about the roof. This happens a lot. The roof makes some terrible noises and I'm constantly expecting to suddenly get whisked up out of bed in a Wizard of Oz tornado. But this time it did do some damage. The wind managed to rip the facia boards off the gable end of the house. It's really high and will definitely be a scaffolding job.

The question is "Is this a home insurance claim?". I'm guessing it's going to cost somewhere between £600-2000. I guess it probably is something I should claim for but I've no idea, or if I should just pay it myself?
 
I’d get a quote and see mate you might be surprised. But if it’s defo a scaff job it’s probably worth claiming
 
It's definitely going to be a scaffolding job unfortunately. I've been told that by two builders. It is really unusually high. I bought 7m ladders to do the gutters that are a floor lower and I couldn't do it. Vertigo kicked in big time. I still don't have any kind of quote yet. I have someone coming on Monday to take a look. Another problem is the difficulty of getting anyone to do it and if more damage occurs as a result of not informing the insurance company.
 
Rob zombie said:
The question is "Is this a home insurance claim?". I'm guessing it's going to cost somewhere between £600-2000.
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Sometimes depends on your excess, but this would 100% be a house insurance claim for me. I've claimed a couple of times in the past, once for a carpet that had bleach spilt on it and another when my young son stood on £1.5k's worth of electric hob and cracked it in two.
 
JT. said:
Sometimes depends on your excess, but this would 100% be a house insurance claim for me. I've claimed a couple of times in the past, once for a carpet that had bleach spilt on it and another when my young son stood on £1.5k's worth of electric hob and cracked it in two.
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It depends largely on the reason the wind was able to remove the facia ,if the timber holding up the facia is rotten for example they could refuse a claim.Try though they will send an assessor and he will say yea or nay
 
We lost a single tile off the roof in Jan/feb

Total bill was around £1500 purely down to the scaffolding. They spent less than 30 mins repairing the roof.

100% claim on the insurance. It’s what you are paying for.
 
Thanks guys, I will try to put it through the insurance. I've been paying insurance for nearly 35yrs if you include car insurance and never claimed once. Annoyingly my renewal comes up at the end of the month and it's 20% more. I was hoping to shop around but I guess that's out of the question now.
 
johnwhitfield said:
You should still be able to shop around. One claim should make a huge difference unless it’s for floods etc

They all seem to have massively hiked the insurance fees for this year though.
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Agreed on this - I didn't notice an unusual increase after my two claims, and I shop around every year.
 
Is it normal for tradesmen about to quote for work to suddenly out of the blue ask you what you do for a living? Or is that, as I suspect, a way of estimating the quote multiplier....?
 
russdx1 said:
‘What job? Lol’
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Replacement of facia boards that were ripped off in the wind, plus dry verge to prevent further wind damage. Made the mistake of accepting the quote to get it done tomorrow, then this morning got another quote in for less than half the price. But whatever, just need to get it done. I'm not one to go beck on a deal. Much to my detriment.
 
mine got half ripped off from the gable end as well in the storms earlier this year,it was only then we discovered that when we had them installed 20 years ago they had used 1" polycap nails to secure them,given the upvc facia board was a 1/4 inch thick im amazed they stayed in place for as many years as they did.luckily a neighbour works for the local electricity board and bought a cherry picker home with him one night,so he lifted me up and I was able to repair it with thicker longer nails.just cost me a case of beer and nails from screwfix
 
Calimori said:
Wait long enough and you would get one for double what you accepted.
If the price was right, get it done before winter really arrives.
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All done. They earned their money out there in the ****ing rain and howling wind all day. That is a really tough job in that weather to be honest.
 
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