SO16_Saint Posted 18 August, 2015 Posted 18 August, 2015 so we're going through a claim at the moment following our son knocking a tin of red paint down the stairs covering the walls and carpets. It appears that we have extended Accidental Damage on the Contents, but not on Buildings. It also appears that the damage caused to the INTERNAL walls of the house are covered under the Buildings insurance, and therefore NOT covered for accidental damage. That sucks, and to me isn't right (although probably IS right in insurance terms). The lady on the phone on Saturday at the insurance co said we had a valid claim (hence sending out a validator) - so even if their own staff don't know the policy terms, what hope do we the public have FFS. Now, does anyone have any pearls of wisdom they can give me? I've looked at the Ombudsman site, and there appears to be scope for appealing.
trousers Posted 18 August, 2015 Posted 18 August, 2015 You sure that isn't a 'reveal' on an episode of Changing Rooms...?
trousers Posted 18 August, 2015 Posted 18 August, 2015 p.s. I don't think you have any grounds for appeal unfortunately. The walls aren't "contents" of your house and therefore won't be covered by contents insurance. I suppose you could say to the insurance company: "please highlight the clause in the contract that explicitly excludes repair to damaged wall paint" and see what they come up with.
SO16_Saint Posted 18 August, 2015 Author Posted 18 August, 2015 I think you're right Trousers. Going to have to appeal to their good nature. So not holding my breath. That being said, the policy wording isn't clear, so there may be some hope yet
Badger Posted 18 August, 2015 Posted 18 August, 2015 so we're going through a claim at the moment following our son knocking a tin of red paint down the stairs covering the walls and carpets. It appears that we have extended Accidental Damage on the Contents, but not on Buildings. It also appears that the damage caused to the INTERNAL walls of the house are covered under the Buildings insurance, and therefore NOT covered for accidental damage. That sucks, and to me isn't right (although probably IS right in insurance terms). The lady on the phone on Saturday at the insurance co said we had a valid claim (hence sending out a validator) - so even if their own staff don't know the policy terms, what hope do we the public have FFS. Now, does anyone have any pearls of wisdom they can give me? I've looked at the Ombudsman site, and there appears to be scope for appealing. The internal face of the walls are part of the building. Would you regard the ceiling as part of your "contents" ?
SO16_Saint Posted 18 August, 2015 Author Posted 18 August, 2015 The internal face of the walls are part of the building. Would you regard the ceiling as part of your "contents" ? I know that now. And no, I wouldn't anymore. My point stands that if the operator on the phone didn't know, how are we.
bridge too far Posted 18 August, 2015 Posted 18 August, 2015 What if the walls are papered? Wallpaper is a content, is it not?
SO16_Saint Posted 18 August, 2015 Author Posted 18 August, 2015 What if the walls are papered? Wallpaper is a content, is it not? No, but laminate flooring is contents if it's not fitted under the skirting. But buildings if it is
Trader Posted 18 August, 2015 Posted 18 August, 2015 Claim for the carpet and redecorate yourself FFS. What's it going to cost you, 30 quid?
ecuk268 Posted 18 August, 2015 Posted 18 August, 2015 How about entering it for the Turner Prize? If Tracey Emin can win it with an unmade bed, you must be in with a chance.
bridge too far Posted 18 August, 2015 Posted 18 August, 2015 How about entering it for the Turner Prize? If Tracey Emin can win it with an unmade bed, you must be in with a chance. It does look like a Pollock
Marsdinho Posted 18 August, 2015 Posted 18 August, 2015 If you were tip your house upside down, anything that fell out would be contents.....anything left, is buildings. The lady on the phone was correct though, you do have a valid claim. You can claim for everything apart from the paint damage to walls. Like Trader said, I would just claim for the carpet and do the rest yourself. If the carpet is the same all the way from the hall, up the stairs, to the landing - they will replace the lot. And read the small print next time !!!
Marsdinho Posted 18 August, 2015 Posted 18 August, 2015 Also, all of our premiums will go up a 0.00001% of a penny because some bright spark thought it was a good idea to let their kid walk around the house with a pot of red paint!
Horley CTFC Saint Posted 18 August, 2015 Posted 18 August, 2015 Does your kid not have personal liability insurance? You could make a claim under that for his personal negligence or alternatively just take him to court and sue the ass off him he must have a trust fund somewhere...
Whitey Grandad Posted 18 August, 2015 Posted 18 August, 2015 Does your kid not have personal liability insurance? You could make a claim under that for his personal negligence or alternatively just take him to court and sue the ass off him he must have a trust fund somewhere... Or sell him for medical research.
SO16_Saint Posted 18 August, 2015 Author Posted 18 August, 2015 Or sell him for medical research. Very tempting Also, all of our premiums will go up a 0.00001% of a penny because some bright spark thought it was a good idea to let their kid walk around the house with a pot of red paint! Ha! Not 5 mins before I thought to myself "I should probably move that tin....just in case" Does your kid not have personal liability insurance? You could make a claim under that for his personal negligence or alternatively just take him to court and sue the ass off him he must have a trust fund somewhere... Small claims court sounds the way forward You could also paint the walls red. That was the plan for his room... An iron man themed room Tell your friends it's a Jackson Pollock. It's an original! Could increase the value of the house
Wade Garrett Posted 18 August, 2015 Posted 18 August, 2015 Reminds me of when I painted my bedroom walls. Went to the toilet, and heard my then 2 year old shout 'I'll help you daddy'. Ran back into the bedroom, with an arsehole yet to be cleaned, to find her glossing the walls!
Block 18 Posted 18 August, 2015 Posted 18 August, 2015 Reminds me of when I painted my bedroom walls. Went to the toilet, and heard my then 2 year old shout 'I'll help you daddy'. Ran back into the bedroom, with an arsehole yet to be cleaned, to find her glossing the walls! Think that there is far to much detail in that last post, put me right off my supper.
Doctoroncall Posted 19 August, 2015 Posted 19 August, 2015 Or sell him for medical research. An incidental piece of information, Informed consent forms are written so that a twelve year old can understand them unlike Insurance policies. So assuming he's older than twelve, he'll know what he's getting in to! Nice painting, perhaps frame a small piece and leave it as a reminder.
Lighthouse Posted 19 August, 2015 Posted 19 August, 2015 Hire some wannabe artist to come and adjust the splatter to look like Jesus. Then claim it as a divine miracle and sell it to the papers. Sorted.
Recommended Posts
Create an account or sign in to comment
You need to be a member in order to leave a comment
Create an account
Sign up for a new account in our community. It's easy!
Register a new accountSign in
Already have an account? Sign in here.
Sign In Now