We’ve just had to replace the wooden flooring in our orangery as part of the glass roof came loose during a storm and we returned home from a short break to find the floor flooded and badly stained. We were, according to the insurance inspector, ‘lucky’ as most claims of this type are rejected by insurers as homeowners have either left a window open by mistake (and don’t have accidental cover) or have failed to maintain and repair as they went along (and have the claim rejected).
‘Maintenance’ is the key. According to AXA, six out of ten householders don’t know that they cannot make a successful claim if any damage is down to poor maintenance.
James Barclay at AXA summarises, ‘Consumers need to understand that an insurance policy is there to protect customers’ homes against the unexpected and not cover for general wear and tear. There are some claims that we simply have to turn away as they are caused by obvious neglect and lack of investment in the property rather than the weather.’ Food for thought.