Buildings and Insurance Help

davidh6781

davidh6781

Suspended / Banned
Messages
1,181
Name
David
Edit My Images
Yes
As you may of seen in another section i had a fire within the house over the weekend.

Insurance are sayings the fireplace, laminate floor and decorating is "Buildings" and the Rug, Mirror etc are "Contents"

Is a fireplace and laminate only buildings or would they be classed as Contents?
 
Fireplace is buildings I would have said, unless it was one of these free standing units with a plug. Laminate flooring seems to be a bit more of a moot point, when my mother had a flood the two insurance companies had a bit of a disagreement but it was all resolved amicably, can't recall which paid in the end.
 
My experience with insurance companies is that generally speaking, anything attached to the buildings 'fabric' i.e. walls, floors etc is regarded as being covered by buildings insurance, anything 'loose' is contents.

Matt
 
ok what they saying is the same, b****r, my excess is £550 for buildings and £50 for contents.
 
I thought it was anything you'd take with you when you moved was contents, anything you'd leave was buildings, I know people used to take carpets with them but a laminate floor is pretty permanent so i'd think it was buildings.
 
The problem with laminate floors is that some of them are advertised as removable and reusable, so they are sometimes thought of as carpets by the insurers.

I think you can probably make a case if this is how your floor was designed, though I've never heard of anybody actually reusing one.
 
i am thinking the same, i think i was in hope i would only cost £50 rather than the buildings excess. straight after christmas.
 
Is the laminate more than £550? to replace.
 
the room is 15ft one way by 12ft the other and flows to hall way which is 4ft square. its burnt through in two place and a small burn which was from me quick acting and taking the burning item out.

Unsure really as the floor was in when we moved in, but i wouldn't fit myself so fitting would require fitting.
 
I would get someone in. It may be possile to match the floor and only replace some of it, or get a quote on the whole lot.
 
I was told a simple way of looking at the difference between contents and buildings insurance.

Turn you house upside down(relatively speaking) and what doen't move is classed as buildings.
 
foggy4ever said:
I was told a simple way of looking at the difference between contents and buildings insurance.

Turn you house upside down(relatively speaking) and what doen't move is classed as buildings.
Click to expand...

That is still going to leave the flooring situation unclear. It will likely sag as much as a carpet when upside down, and carpet is contents.
 
When I claimed for water damage to laminate flooring it was the buildings insurance that ended up paying out - but it should have been dealt with by contents insurance strictly speaking as it was classed as a 'floating floor' or something. Ie not a permanent fixture in the hime.
 
You must log in or register to reply here.
Back
Top