insurance claim

[glavva]

my mum who is 75 left the bath taps running upstairs and it overflowed causing bad water damage to the kitchen below. she has house and contents insurance does anyone know if she would be able to make a claim to cover the repairs ?

[mrs_overall]

Yes....that's what the insurance is for!

[Postdog]

Yes, quite right, but check the policy to see if there are any get out clauses, and when you claim, make sure you don't fall foul of them.

[Adam28]

She should be able to claim although she will need to check if she has Accidental Damage covered as a peril on her policy, if not i would strongly doubt she could claim.

[sandmaster]

With accidental damage cover - yes. Otherwise she should be able to as most companies would consider it escape of water from a fixture. But some may resist. If the claim is refused invoke the complaints procedure and go all the way to the Ombudsman. It won't cost anything and the chances of success are high.

[glavva]

thanks very much for all your help , the claim is now in and it seems ok . and i now have a happy mum again .

[garethjamess]

Hello, I am glad to see that you have put the claim in, however, the insurers may return and state that they will not pay out due to contributory negligence. Hpefully this will not happen, however if it does there may be some way around this.

[sara3]

glavva, you may want to invest in one of these.. (although I have no idea how good they are!)

http://cgi.ebay.co.uk/Bath-Alarm-Water-Level-A larm-Ingenious_W0QQcmdZViewItemQQ_trkparmsZ72Q 3a1683Q7c66Q3a2Q7c65Q3a12Q7c39Q3a1Q7c240Q3a131 8QQ_trksidZp3286Q2ec0Q2em14QQhashZitem33031195 9182QQitemZ330311959182QQptZLHQ5fDefaultDomain Q5f3QQsalenotsupported