I've just had a large chunk of ceiling in the hall come down. Happened while the house was unoccupied. No apparent reason. It's the original lath and plaster. Had it been a normal flat ceiling I'd just have replaced it with plasterboard - but this is the bit that goes under the stairs so is a complex shape in places. And is way beyond my skills.
Is this the sort of thing I could claim on the house insurance for? Or just fair wear and tear?
Wear and tear, according to a neighbour whose ceiling fell down last week!
Peter
It's worth making a claim.
If it had been caused by a burst pipe, you would claim, wouldn't you? So why not for this?
When I claimed for something like this (after a water leak) the insurers paid up but then raise my premiums enought to pay off the bill in two years. Afterwards i decided not to bother in future claiming for things like that.
Robert
Run a tap upstairs and make a controlled flood in the right place!
Quite, claims will be paid back several times over in the years ahead. Insurance is not a maintenance plan.
NT
So the insurers might be able to claim it was a terrorist attack so won't pay out ;-)
No, it's not under the list of covers. But what does it cost to cliam anyway, you never know, all sorts of cover are added as sweeteners.
Read the policy & find out exactly what circumstances are covered and claim for one of them.
A few years ago I had ceiling damage due to a dodgy plumbing connection. That rather strangely wasn't covered, so I told them I was working on the plumbing & accidentally put my foot through the ceiling instead.
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