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Ed, depends whether the floor was fitted by the builders or the owner themselves. Correct?
why so? I wouldnt expect a block insurance policy to cover items that weren't fitted. In fact RSA's contents policy notes that floors and tiles etc are covered under if there are no buildings cover in place or if the premises is rented out, etc.
It is the norm for a building policy to cover building items and a timber floor would be considered as such.
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