I have been turned down on my buildings insurance claim

[james13]

help:eek:

i have been paying my premiums for over 3 years now to let protector.com and no claims until storm a few weeks ago
put in a storm damage claim for damage to my flat roof, had the usual visit from loss adjuster from Davies adjusters, chadwell heath and SIX weeks later i was told that my insurance was void as i hadnt told the insurance company that my GARAGE had a flat roof!
So Markel International , the underwriters told me now that i have NO insurance and have returned my premium paid
Wot a stich up

here is a copy of the SMALL print: notice paragraph (i)

"was built in or after the year 1800

(b) is in a good state of repair

(c) is built of brick, stone or concrete and roof made with slate, tiles, metal, concrete, or flat roofed with asphalt, bitumen, concrete or felt on timber

(d) is not a grade I listed building

(e) is not troubled by flooding or in an area troubled by flooding

(f) is not troubled by subsidence, landslip or heave and not in an area troubled by subsidence, landslip or heave

(i) if flat roofed, complies with the following warranty: It is warranted that all flat roof sections be inspected and tested at least once every two year period by a qualified independent building/roofing contractor and a certificate issued confirming the roof section is in a sound weather proof condition

(j) does not house any asylum seekers/refugees/holiday homes

(k) is not and will not be having any structural work carried out other than standard renovation
(internal painting and decorating, tiling, replacement of bathroom and/or kitchen fixtures and fittings including sinks, wash basin, W.C.,bathroom and shower, carpeting, internal joinery, plastering, central heating installation and external window replacement) "

Well as a small landlord i just havent got £3700 lying around for repairs and have got this horrible feeling that they have just given me an excuse

[specialist]

Dear James
This unjust & unfair threaten then with a complaint against the FINANCIAL SERVICES AUTHORITY the governing/regulatory they will soon hopefully change there tune !! If I can be of any more help just ask

A word of caution to anyone else with them check the cover carefully


specialist@deliteisurance.co.uk

[Paul]

help:eek:

i have been paying my premiums for over 3 years now to let protector.com and no claims until storm a few weeks ago
put in a storm damage claim for damage to my flat roof, had the usual visit from loss adjuster from Davies adjusters, chadwell heath and SIX weeks later i was told that my insurance was void as i hadnt told the insurance company that my GARAGE had a flat roof!
So Markel International , the underwriters told me now that i have NO insurance and have returned my premium paid
Wot a stich up

here is a copy of the SMALL print: notice paragraph (i)

"was built in or after the year 1800

(b) is in a good state of repair

(c) is built of brick, stone or concrete and roof made with slate, tiles, metal, concrete, or flat roofed with asphalt, bitumen, concrete or felt on timber

(d) is not a grade I listed building

(e) is not troubled by flooding or in an area troubled by flooding

(f) is not troubled by subsidence, landslip or heave and not in an area troubled by subsidence, landslip or heave

(i) if flat roofed, complies with the following warranty: It is warranted that all flat roof sections be inspected and tested at least once every two year period by a qualified independent building/roofing contractor and a certificate issued confirming the roof section is in a sound weather proof condition

(j) does not house any asylum seekers/refugees/holiday homes

(k) is not and will not be having any structural work carried out other than standard renovation
(internal painting and decorating, tiling, replacement of bathroom and/or kitchen fixtures and fittings including sinks, wash basin, W.C.,bathroom and shower, carpeting, internal joinery, plastering, central heating installation and external window replacement) "

Well as a small landlord i just havent got £3700 lying around for repairs and have got this horrible feeling that they have just given me an excuse

I have come across Let Protector. They are run by Commercial Express and now use Navigators Insurance. Markel and Navigators are both American companies and when I last checked, Navigators were not part of the Association of British Insurers. This does not affect their creditworthiness but they will not have the back up of this association.

The wording needs to be read carefully. They only give Liability of £1,000,000 unles you pay extra premium.

If your property becomes vacant and you do not tell them, cover is excluded. You must also have a Corgi certificate and inspection of the electrics by a qualified electrician otherwise cover does not apply.