Insurance Question

[Jeremy Nicoll - news posts]

Hmmm, I hunted around and first found this:

- which dates back to 2005, but at the same time I'm pretty sure I became more aware of the risk of non-disclosure sometime in the last 2-3 years, I think after seeing some horrendous examples of insurance companies refusing to pay out, on some TV consumer-affairs programme.

However I think I've found info about what you're saying - and it seems to me to be something worth printing out and keeping with one's insurance policies, notes etc, in case an insurance company tries to use the old (unfair?) rules. See:

and rejoice!

[Piers]

Yes, that's it. Most pertinent quote:

"It will abolish the consumer?s duty to volunteer material facts. Instead, consumers must take reasonable care to answer their insurer?s questions fully and accurately. If consumers do volunteer information, they must take reasonable care to ensure that the information is not misleading"

[Piers]

Jeremy found the legislation in question, which came into force 6 April

2013. I've not noticed any difference in the behaviour of insurance companies (in terms of the questions they ask when taking out a policy) since that date.

[cpvh]

ry closely related, given the DIY >disaster programmes that keep appearing on TV. Rather tenuous. >uk.grumpy-old-men perhaps? ffs. If I'd wanted news. all, I'd use news.all. OT posting is just lazy, Usenet is in decline partly because idiots can't be bothered to find the right group in which to post. If they did, those groups would be busier because people would see they ar e actually being used. -- (\_/) (='.'=) (")_(")

I suggest you check the uk.d-i-y charter. Whilst primarily intended for di scussion of DIY topics, NOTHING is off topic here.

[Dave Liquorice]

You don't get fine dry powder snow then. That stuff will find it's way through quite long tiny convoluted path ways. A hole you can see through is an open barn door to the fing stuff.

As others have said the primary weather proofing on a roof is the slates/tiles, the sarking is secondary, it also keeps dust out.

If all you have is a rip along the edge of a batten get a bit of stiffish polythene (old feed, potting compost or similar bag) and carefully, the old felt will be delicate, tuck it between the tiles and lower part of the sarking and pin it up to the batten/rafter above.

Insurance they probably won't entertain covering the repairs to the roof, "wear and tear" though 14 years is short time for a roof. If you could say the whole thing was stripped and replaced then it might add a bit of weight to your argument. The ceiling they may cover or could say consequential to the "wear and tear" on the roof, tough.

Costs the ceiling won't be much, sheet or two of plasterboard and a couple of hours for a plaster to skim, less than a day.

Stripping and refelting (with a breathable membrane) the roof will be some what more, depends how big it is.

[polygonum]

Charter? What charter?

[puffernutter]

[e-mail]> writes >I would have thought the two were very closely related, given the DIY >disaster programmes that keep appeari ng on TV. Rather tenuous. >uk.grumpy-old-men perhaps? ffs. If I'd wanted ne ws.all, I'd use news.all. OT posting is just lazy, Usenet is in decline par tly because idiots can't be bothered to find the right group in which to po st. If they did, those groups would be busier because people would see they are actually being used. -- (\_/) (='.'=) (")_(")

r discussion of DIY topics, NOTHING is off topic here.

An update. We spoke to the insurance company. We can ask questions of the m and it is not considered a "claim". If however we get a surveyor out, t hen a claim is logged and if he considers it "fair wear and tear" we will h ave lost our NCB.

So, I had a roofer out last Friday. He comment was that 1. It was a too ge ntle slope for tiles, but if they were used, they needed a much greater ove rlap. He recommended replacing the tiles with a flat roof (18mm ply) covered by R esitrix.

Cheers

Peter

[Capitol]

Your roofer sounds very dubious. What is the roof pitch. Some of mine are 15-17 degrees and don't leak. If your original roofer installed the correct tiles and they have lasted for 14 years without problems then IMO, you simply have a roof which requires a quick strip and replace. I would never willingly go back to a flat roof, however cheap it may sound. Get a few more opinions and prices before you do anything. Have you any broken tiles?

[puffernutter]

[e-mail]> writes>I would have thought the two were very closely related, given the DIY>disaster programmes that keep appearin g on TV. Rather tenuous.>uk.grumpy-old-men perhaps? ffs. If I'd wanted news .all, I'd use news.all. OT posting is just lazy, Usenet is in decline partl y because idiots can't be bothered to find the right group in which to post . If they did, those groups would be busier because people would see they a re actually being used. -- (\_/) (='.'=) (")_(")

for discussion of DIY topics, NOTHING is off topic here.

them and it is not considered a "claim". If however we get a surveyor ou t, then a claim is logged and if he considers it "fair wear and tear" we wi ll have lost our NCB.

o gentle slope for tiles, but if they were used, they needed a much greater overlap.

Interestingly the price for a strip and replace (and close up) for the tile s was only about £100 less than the flat roof option.

There are no obviously broken tiles. His view was that the overlap of the tiles was too little and for that slope they needed a lot more.

I'll get some alternative views and quotes.

Cheers

Peter

[puffernutter]

r writes>I would have thought the two we re very closely related, given the DIY>disaster programmes that keep appear ing on TV. Rather tenuous.>uk.grumpy-old-men perhaps? ffs. If I'd wanted ne ws.all, I'd use news.all. OT posting is just lazy, Usenet is in decline par tly because idiots can't be bothered to find the right group in which to po st. If they did, those groups would be busier because people would see they are actually being used. -- (\_/) (='.'=) (")_(")

d for discussion of DIY topics, NOTHING is off topic here.

of them and it is not considered a "claim". If however we get a surveyor out, then a claim is logged and if he considers it "fair wear and tear" we will have lost our NCB.

too gentle slope for tiles, but if they were used, they needed a much great er overlap.

d by Resitrix.

les was only about £100 less than the flat roof option.

e tiles was too little and for that slope they needed a lot more.

To answer another question - the roof pitch is 9 degrees.

Cheers

Peter

[puffernutter]

To close this thread down. After some Googling of various sites, there are no tiles that are suitable for a pitch of 9 degrees. We had the roofer co me in, remove the roof tiles, board it and then weatherproof it with a cove ring guaranteed for 30 years. It cost a shade under 1400GBP and was done i n a day.

Cheers

Peter

[JimK]

30 years eh?

It wasn't "Phoenix Roofing (2012)" by any chance? :-)

Jim K