Jump to content
House Price Crash Forum

Archived

This topic is now archived and is closed to further replies.

GBdamo

Home Insurance Question

Recommended Posts

Friend's house is flooded over Xmas which passes through the wall causing water damage to the neighbour’s carpets.

Now, the insurance company are claiming that the neighbour (single pensioner) will have to claim off her own insurance, losing her no claims and paying her excess. However, while not being the same company, the insurers have the same underwriter.

To me it would appear that this is a little underhand as the phone drone as already admitted that the neighbour’s insurer will claim off of my friend’s insurer.

Anyone have any inside knowledge on whether this is correct?

Share this post


Link to post
Share on other sites

Friend's house is flooded over Xmas which passes through the wall causing water damage to the neighbour’s carpets.

Now, the insurance company are claiming that the neighbour (single pensioner) will have to claim off her own insurance, losing her no claims and paying her excess. However, while not being the same company, the insurers have the same underwriter.

To me it would appear that this is a little underhand as the phone drone as already admitted that the neighbour’s insurer will claim off of my friend’s insurer.

Anyone have any inside knowledge on whether this is correct?

Hi yes I am afraid this is correct. A policy covers damage to your own property not anyone elses. The neighbour's insurer may then claim off your friend but this will only be possible under the liability section of the policy and negligence most be shown by your friend.

Share this post


Link to post
Share on other sites

Hi yes I am afraid this is correct. A policy covers damage to your own property not anyone elses. The neighbour's insurer may then claim off your friend but this will only be possible under the liability section of the policy and negligence most be shown by your friend.

Thanks for the reply, seems a little off to me. With both companies underwritten by the same underwriter it seems this old dear will be out of pocket for something that is not within her control.

Share this post


Link to post
Share on other sites

Thanks for the reply, seems a little off to me. With both companies underwritten by the same underwriter it seems this old dear will be out of pocket for something that is not within her control.

No expert, but does she have legal cover under her home insurance? She could go after your friend's insurer for restitution perhaps if she does.

Share this post


Link to post
Share on other sites

No expert, but does she have legal cover under her home insurance? She could go after your friend's insurer for restitution perhaps if she does.

The legal cover would not be valid as her insurer is the same underwriter as her neighbour so they would not bring an action against themselves.

Share this post


Link to post
Share on other sites

No expert, but does she have legal cover under her home insurance? She could go after your friend's insurer for restitution perhaps if she does.

I guess it would be a case of taking your friend to court directly rather than than his or her insurer.

Share this post


Link to post
Share on other sites

I guess that her only option would be to sue the OP's friend for negligence, e.g. claiming that his or her failure to keep their water system in a proper state of repair resulted in the burst pipe that in turn resulted in damage to the neighbour's property. However, I'd have thought that the friend would have quite a convincing 'act of God' defence, given that temperatures have recently been at 200-year lows in some places.

Share this post


Link to post
Share on other sites

I know this sounds trite, but from my experience, insurance is designed, so that it is almost impossible to make a claim.

I hate insurance salesmen(women) and would put them in the following order of hatred:

Bankers

Christians

Estate Agents

Insurance Agents

Doctors

Chimney Sweeps

(Actually my chimney sweep is great, and I added him to the list because I know he reads this forum) :D

Share this post


Link to post
Share on other sites

I know this sounds trite, but from my experience, insurance is designed, so that it is almost impossible to make a claim.

I hate insurance salesmen(women) and would put them in the following order of hatred:

Bankers

Christians

Estate Agents

Insurance Agents

Doctors

Chimney Sweeps

(Actually my chimney sweep is great, and I added him to the list because I know he reads this forum) :D

Thanks Dave. :(

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 members

    No registered users viewing this page.

  • 285 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?


      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%



×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.