home insurance - damage from leaking gutter
Posted:
Wed Mar 04, 2023 1:58 pmby bigjob
hi
my front bedroom is damp because the front gutter is broken. Can i claim to get everything repaired?
Re: home insurance - damage from leaking gutter
Posted:
Tue Mar 31, 2023 11:08 amby Broker Boy
yes and no. ur insurer will cover the cost of the damage the water has caused but u will have to cover the cost of repairing the gutter. if the insurer sends a loss adjuster around to inspect ur property and he decides that it is generally in a bad state of repair the insurer could refuse to pay anything or offer you a lower payment. this is because within the insurers terms and onditions of insurance, it will be ur responsibility to maintain your propery in a good state of repair. if you do not do this it will affect your insurance.