thanks, I contacted ins company this morning and would you believe- they checked met eireann for storm status last night and cause there was no storm ( heavy rain is not covered) so i'm not covered, Now i've to pay for a roofer to come and examin the roof and see if a slate is missing- maby from a time previous to last night,but wear and tear is not covered, or i've to call a plumber and see if its a leaking pipe, pipe would not be covered by ins but damage to ceiling would.....so now do i need a painter or plasterer, a roofer or a plumber? either way its going to cost me--- My excess is 125 euros but ins company warned me that ins is due for renewal in december and i'd miss out on a 30% no claims discount if i claim... I thought a claim (my first ever in my life) would be less complicated but i guess not......
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