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The Doctor Member Since: 09 Jul 2010 Location: Gallifrey Posts: 4615 |
I’ve told them that they appear to be using one of their terms to nullify a claim under storm damage terms and that’s not right. The rendering has been solid as a rock until this storm.
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4th Oct 2018 1:49 pm |
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RogB Member Since: 16 Dec 2014 Location: Mansfield Posts: 3869 |
so on the basis of the older something is, the more wear and tear there is likely to be, what is the point of insuring something that is old ?? I don't insure my 13 year old springer spaniel as the monthly premium would be about £60 a month, although the only thing she has ever had major is being speyed when she was 8 months old and the premium + excess negates most of the treatments she is likely to need at this age (anti biotics etc) maybe I should just buy an older car and not insure that as due to wear and tear they wont pay out for anything ?? |
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4th Oct 2018 1:53 pm |
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Chuckalicious Member Since: 23 May 2014 Location: Midlothian Posts: 1702 |
Unfortunately render is considered a wear and tear item, which it ultimately is. It's like break pads in a car. It's job is to protect the surface underneath and sacrifice itself at the same time. It will always wear out and will need replaced at some point.
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4th Oct 2018 2:54 pm |
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The Doctor Member Since: 09 Jul 2010 Location: Gallifrey Posts: 4615 |
I agree and think that the only outcome will be in their favour but it’s a case of nothing to lose. They do pay out for rendering apparently but only if it’s decent rendering that’s been damaged by a storm. As opposed to ours which is old and worn and been damaged by a storm. LL.B (Hons) - University of Derby
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4th Oct 2018 6:33 pm |
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Jack frost Member Since: 21 Dec 2011 Location: UK Posts: 796 |
But it’s still storm damage, regardless if it’s new/old rendering it’s still STORM DAMAGE. When you renewed your insurance did they ask you have you got new rendering or old rendering ? Did they say if it’s old rendering & you have a storm your not covered? I say fight it |
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4th Oct 2018 8:37 pm |
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The Doctor Member Since: 09 Jul 2010 Location: Gallifrey Posts: 4615 |
They are just relying on the wear and tear card. We will challenge it through the ombudsman purely on a nothing to lose basis. LL.B (Hons) - University of Derby
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4th Oct 2018 11:29 pm |
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Dartman the one Member Since: 04 Apr 2013 Location: Seville, Spain Posts: 1652 |
I think you will lose on this one Doc, rendering is used as a seal to porous brick or stone work and needs to be maintained, it is and always has been liable to cracking and thus requires painting with a exterior paint to keep its waterproof properties specially the lime type rendering. If there has been no painting within the last 2-5 years you're on a losing wicket, the other clause that the property should be kept in good condition would come into play. my PC is slightly to the right of Genghis
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5th Oct 2018 10:59 am |
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RogB Member Since: 16 Dec 2014 Location: Mansfield Posts: 3869 |
they just use the wear and tear card as their easy get out.
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5th Oct 2018 12:20 pm |
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JulesK Member Since: 07 Dec 2014 Location: Ceredigion. Posts: 1653 |
Did your questionnaire ask if you had patch repairs on the rendering Doc? If not, then that as absolutely nothing to do with claim. Slippery as a bag full of congers. If it wasn't so bad it'd be funny. 🐑 Freelander 2 HSE auto 2014 ( Florrie ) ..... Try again. Freelander 2 GS 2012...... Gone. |
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5th Oct 2018 1:19 pm |
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The Doctor Member Since: 09 Jul 2010 Location: Gallifrey Posts: 4615 |
No it didn’t. Thing is, there is no specific definition for wear and tear so if we had brand new rendering in 2017 and it got damaged by a storm, they could play the wear and tear card there. It practically has no limitations and it’s the insurers get out of jail free card. LL.B (Hons) - University of Derby
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5th Oct 2018 3:55 pm |
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RichardM Member Since: 07 Jul 2015 Location: Cardiff Posts: 72 |
Third party, fire and theft instead of fully comp. is what you need |
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6th Oct 2018 8:41 am |
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Lightwater Member Since: 21 Aug 2014 Location: Sydney Northern Beaches Posts: 4744 |
A few years ago our block of units was on a "black list" which from my understanding all the insurance companies share & we could not get insurance.
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6th Oct 2018 9:46 am |
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RogB Member Since: 16 Dec 2014 Location: Mansfield Posts: 3869 |
do you mean insure my 13 year old dog third party fire and theft ?? The problem is that these days TPFT isn't much cheaper than fully comp, and I would never go down that route for my own car these days. |
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7th Oct 2018 8:03 pm |
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tenet Member Since: 23 Jul 2009 Location: cotswolds Posts: 1072 |
Cripes Doc - It would be a miracle if the insurance pays up on that. They would probably invoke "keeping in good condition" as well as "wear and tear". I guess if you don't ask you don't get but wish you luck.
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8th Oct 2018 9:24 am |
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