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Can you claim for dry rot on buildings cover??

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Osagi
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2006/07/18 18:18:16 (permalink)
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Can you claim for dry rot on buildings cover??

Hi fellas,

As per the title, is it possible to claim for damage caused to timbers as a result of dry rot on your home buildings cover? I've been checking out my policy and its a little vague in this area.

Whilst having some repair work done to my living room floor this weekend my joiner discovered that all my joists etc are virtually rotten through. So I'm currently looking at having to replace my entire floor and god knows what other timbers in the house. Believe me I couldn't feel more p*ssed off if I tried.

With my finances being what they are at the minute my only hope is to get this work done on my insurance, otherwise I'm fooked for either selling the house or living in it!!

Osagi
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    Worf
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    RE: Can you claim for dry rot on buildings cover?? 2006/07/18 18:25:50 (permalink)
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    i think that most if not all will exclude it

    but you would need to have a look at the exclusions within the policy wording to double check !

    heres a link http://www.financial-ombudsman.org.uk/publications/ombudsman-news/10/oct-houshold-disasters.htm
    post edited by Worf - 2006/07/18 18:31:18
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    Osagi
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    RE: Can you claim for dry rot on buildings cover?? 2006/07/18 18:31:58 (permalink)
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    Hmmm, thats kind of what I already feared after doing a little reading on the net. As you'll probably know Worf it's difficult to decipher half the items in your policy document!

    So looks like I'm buggered then!!

    Osagi
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    Osagi
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    RE: Can you claim for dry rot on buildings cover?? 2006/07/18 18:46:05 (permalink)
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    Yeah I found tha tlink myself earlier on today. The thing is, whilst my policy doesn't specifically say 'rot is excluded', it's not listed specially as one of the items that is covered by my policy either. That said it'd be difficult to argue that it fits into one of the items that is covered.

    Tbh I don't know what the orginal cause of the rot was, be it flood, leak or whatever. Apparently the timbers are of poor quality anyway and ym joiner said that is something that should have been picke dup on my survey - and theres the rub...

    When buying this house - my first - I didn't have a clue and relied on the company arranging my mortgage, solicitor and estate agent to advise me. The estate agent and solicitor were useless, they didn't point out any of the important issues to us that we should have been aware of but may not have been aware of if you get me as first time buyers. In terms of the survey, as part of my mortgage agreement that had to be arranged via the mortgage broker. I had a little money at the time, so I asked for the full survey (costing about £500). Sent my from off tot he mortgage broker with the fees they had asked for. A couple of days later they rang me up, apparently those fees only included the basic home buyers survey which according to them everybody went for. So I said 'ok, I'll send you a cheque for the oustanding amount'. To which the lady on the phone replied 'well if your sure, but it may take a few weeks to arrange the full survey and tbh, there really isn't any differenc ein the home buyers survey and the complete survey. they both cover the same things, except with the full survey, you get a more detialed report at the end of it. the home buyers survey will cover everything the full survey does but you'll only get a brief report telling you about any major concerns or faults they have found.'

    So me not knowing any better I fell for that, obviously I've since found that out to be bollocks but after you sign the contracts theres obviously nothing you can do, especially not two years down the line when you start to discover faults like this (of which there are many!!).

    So at the moment I'm feeling stupid, ripped off, deceived, p*ssed off, you name, but overall I'm bloody brassic as a result of this house. Its causing no end of problems and arguments between my partner and myself, considering we saved for so long and worked so hard for our first home, it just seems so wrong.

    Osagi
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    cleanfornow
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    RE: Can you claim for dry rot on buildings cover?? 2006/07/18 18:52:51 (permalink)
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    Sorry Bri I have no idea on your post, but haven't seen you on here for ages and thought I would just post hello ! Hope you are ok mate

    Franko
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    Skid
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    RE: Can you claim for dry rot on buildings cover?? 2006/07/18 18:53:51 (permalink)
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    Why dont u just ring your insurance company and ask them if its covered mate ???
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    Worf
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    RE: Can you claim for dry rot on buildings cover?? 2006/07/18 19:44:04 (permalink)
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    how long ago did you have the survey done ?
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    Osagi
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    RE: Can you claim for dry rot on buildings cover?? 2006/07/18 20:15:24 (permalink)
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    ORIGINAL: Worf

    how long ago did you have the survey done ?


    February 2004 mate, however as I say it was the homebuyer's survey I was advised into getting done and as far as I'm aware now (isn't hindsight a wonderful thing) the depth the homebuyer's survey goes into is little more than turning up and putting a tick next to box that says there is a house at the site that meets the description. Apparently they don't even go inside (or at least the guy that did mine didn't). So it's not like I can puruse the surveyor for not picking up the problem when they conducted the survey. In terms of how long the damage has been here my joiner is estimating the problem is years old, however he reckons that some shoddy repair work has been done to cover up just how bad a state the floor is in in the last few years. Seeing as the guy that we bought the house off had lived here for seven years it may well have been him that did it and therefore he probably knew about this problem when putting the house on the market. that ain't surprising tho, givien one or two other faults we have found with the property. Needless to say if ever our paths cross again...

    ORIGINAL: Skid

    Why dont u just ring your insurance company and ask them if its covered mate ???


    Well I'll be honest with you mate, I've been advised by a friend to go about this covertly and be careful how I approach my insurers. As he says they may not cover the rot damage to the floor but there may well be other things we could claim for relating to this situation which we may be able to disguise as accidently damage. Yes I know, I'm not too happy with this tactic myself and as you know its notsomething I could ever condone, but right now mate I am absoultely desperate, my house is on the line, I'm in a massive amount of debt, my relationship is on the verge of breaking, I've just found out my job is in jeopardy and to top it all I've just had some bad results from some blood tests and scans I recently had done. So I'm kind of lost mate and tbh I'm not awfully sure what I'm doing any more or how best to proceed with all of this, other than to walk in front of a bus, but then again thats gonna leave some people in an awfully messed up state isn't it.

    Lol isn't life great, sun shining outside and all this doom and gloom from me lol Least I've still got my senseof humor - if my house falls down least I'll not freeze lol

    Osagi
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