Home Cracked Chimney

L

LovelyHome

Registered User
Messages
40
Hi.
Our chimney seems to be cracked. A builder working on another house advised us of this one day. The only thing is that it seems that the chimney was cracked before we bought the house as it was a secondhand house. Can we claim this on our home insurance and if so, will we be penalised.

I am also missing a diamond neclace that was purchased in the State for about €800. I have the receipt and pictures of it. Someone told me that this is covered also. Is this possible.

Thanks for your advice.
 
You cannot claim from your insurance policy for damaged chimney as it was damaged PRIOR to you buying the house and the insurer going on cover. if you fraudulently claim, then the penalty could be up to 2 years in prison if prosecuted in District Court or up to life imprisonment if prosecuted in Circuit Court.

If necklace is insured under your All Risks policy, then if lost, you can make a claim.
 
Thanks for the advice. I'm not sure though if the chimney was cracked prior to the purchase or after. My husband had put a massive pizza box in the fire shortly after we purchased the house and it blazed up and actually burned the whole fireplace. We weren't too bothered afterwards as we were taking out the fireplace anyway. How do you determine this?

Also, how much are we talking for this type of claim?

Thanks again for the helpful advice.
 
Sorry to go on....but in relation to the necklace, I thought it would show up eventually. But, we had a lot of coming and going into the house. I possibly put it in a safe place, but have searched high and low for it. What if you claim for it and then find it.

Thanks again. Any comments are appreciated.
 
A cracked chimney is dangerous and a health hazard.

Contact your insurance and they will arrange a visit - carry our an assessment etc .

Get a quotation from a building contractor and send it to your insurance co.

Don't be silly - a burning pizza box did'nt crack your chimney.
 
 
You must log in or register to reply here.
Menu
Log in
Register