Do most household insurance policies for landlords cover problems with damp caused by leaking guttering/flashing around chimney stacks? Is this something I can get the insurance company involved in?
2006-10-26 02:37:14 · 7 answers · asked by Charlie Brigante 4 in Home & Garden ➔ Maintenance & Repairs
Of course this may dependent on your specific household building insurance policy. However I would say from experience that household insurance policies do not cover incidents that are as a result of wear and tear (deterioration), or as a result of a householder not maintaining the structure of the property. Flashing is notorious for deterioration and requires regularly checking. Unless the damage to the areas you have mentioned have been purley caused by an insurable peril in a one off incident (highlighted in your policy booklet i.e Storm, Fire, Flood etc) it is likely to be as a result of wear and tear or age and therefore damage caused to the internals of the property are unlikely to be insured. It is upto the policyholder to prove that the damage caused is in direct relation to an insured peril as highlighted in your policy documentation.
2006-10-26 02:53:41 · answer #1 · answered by Anonymous · 1⤊ 1⤋
A friend of mine got the problem sorted out and the WHOLE living room redecorated on the insurance because of leaky flashing around the chimney stack so it must be possible. Having said that, she's known to be econimical with the truth so she probably lied to the insurance company !
2006-10-26 02:45:32 · answer #2 · answered by Anonymous · 0⤊ 1⤋
I work for a company who adminster for insurance companies and we do cover buildings and contents policies.. most policies exclude damp as a gradually operating cause but every policy is different. I would suggest contacting your insurer and asking their advice, if you are not happy then push for a claim forma and ask the loss adjuster as they are trained to check everything out.
2006-10-26 02:42:10 · answer #3 · answered by Anonymous · 1⤊ 1⤋
No. Because there is poor maintenance doesn't mean the insurance company is at fault. You have a bad landlord. Just move.
2006-10-26 02:44:56 · answer #4 · answered by Thanks for the Yahoo Jacket 7 · 0⤊ 1⤋
Most likely not- this is neglect and maintenace, Insurance covers Wind driven Rain, and damage caused by pipe leaks.
2006-10-26 02:41:21 · answer #5 · answered by Anonymous · 0⤊ 1⤋
no, thats general wear and tear.
You'd have to have a tree fall on it or something like that.
2006-10-26 04:23:27 · answer #6 · answered by Michael H 7 · 0⤊ 1⤋
no. beacause its up to you to maintain the property.
2006-10-26 02:58:11 · answer #7 · answered by grumpcookie 6 · 0⤊ 1⤋