Home Home Insurance Claim

[KL72]

Hi, I'm trying to claim house insurance to replace outside drains that seem to have dropped over time but I've been told by the assesor that I'm not entitled to claim off the house insurance as (a) the problem started before the current policy was in existence or (b) its a "wear and tear" issue that happens over time. Has anybody any advice on how I should proceed or is this a dead duck???? Thanks guys.

 

[Ravima]

wear and tear is certainly NOT covered under your house insurance policy. How did the drains 'drop'? Did you change insurers in the last few years? No natter what happens, the drain pipes themselves are not covered. What exactly are you trying to claim for?

 

[DirectDevil]

Before deciding what is or is not covered the actual cause of the damage needs to be established.
Having established that item of evidence you then consider whether or not the event is actually an insured peril under the policy.