I have a problem. My house was really hit badly by storm Eowyn. We heard a lot of noise in the attic, as if there was someone was banging on the the roof with a sledge hammer. Well, I went outside to have a look around, and I nearly blew away. Anyway, all I could see outside the house was debris, which, obviously was blown around the estate, as a result of the strong winds. Well, I went to bed and the noise kept me and my other half (she was actually very frightened) awake all night. So anyway, got up when it was bright, got dressed and went out to have a look around.
The first thing that I noticed was that my bins, which were inside the garden, were missing, and after looking around, we found them at the back garden wall, approx 60 feet away from where they originally.
Anyway, I wrote a letter to my home insurance company, outlining the details that I posted here. After a couple of weeks of having no reply from them, I decided to e-mail them, and they replied very quickly. So, we corresponded back and forth, then they sent out someone to have a look at the place. He took some photographs and told me that a few rows of roof tiles had slipped down, as a result of the wind getting under them.
Anyway, to cut a long story short, I received an e-mail with a letter attached from the loss adjusters on behalf of the insurance company telling me that the reason that all the tiles were loose was due to the wood being rotten and them denying to fix any damage to my roof. I'm left wondering if the wood rotted the night of the storm. I really dont know what to do. Has anybody else been affected in this way, and been refused cover by the insurance company?
