Can I claim a new fireplace on my home insurance

K

keith78

Guest
A large crack has appeared down the middle of my fire at the back and out on to the marble step. I'm sure its from the heat of the fire. would this be an eligible claim.
 
You will need to asertain the exact cause have you spoken to the shop where you bought the fireplace from?
 
Hi there, yes you can try to claim it, fire and explosion damage should be covered, the only BUT is ...you need to be very carefull with the way you report it, if it is reported as wear and tear it is not covered at all, if the fire was on and there was a fire explosion that caused the crack ...then it is covered.
 
in_bad_debt said:
Hi there, yes you can try to claim it, fire and explosion damage should be covered, the only BUT is ...you need to be very carefull with the way you report it, if it is reported as wear and tear it is not covered at all, if the fire was on and there was a fire explosion that caused the crack ...then it is covered.
Click to expand...

You can certainly try but, in truth, I don't fancy your chances. Unless the fire escaped beyond its normal confines damage caused by the heat of the fire will not be covered which, I understand, you believe was the cause. If an explosion had occurred there would be evidence.

Could take some creative writing.
 
Just try. We had our bath replaced due to a crack appearing. It was wear and tear. We reported it even as wear and tear and we got the bath,tiles and fitting amounting to 900 euro with no questions asked. According to our broker, insurers don't really investigate relatively small claims
 
also do your own home work, check the excess on the ply and take in consideration that you will lose ncb and a lot of the companies wouldn't take you after a claim.it mightnt be worth it.
 
Not all household policies have a no claims bonus and depending on the size of the claim it may not affect any future move to another insurer.

Until you actually asertain what caused the damage this is all conjecture anyway.
 
Generally not as stated but if the fireplace was new, it would hardly be considered as wear and tear ?
 
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