I had quite a major fire at my house in June which effectively led to the whole house having to be redecorated and a lot of ppty damaged beyond repair. My contents insured was on the low side and the ins co are now saying we have reached our limit and they will pay no more. We had to have all of the blinds replaced they were there when we bought and were all fixed / screwed to the wall. The insurance co have put the amount against contents, I want to argue as they were fixed they must be buildings/fixtures Any ideas?
Also a large preportion of the contents claim has been taken up by "restoration"/"cleaning" costs upwards of £12000 I was never given any say in this or told the costs - we would have tried to salvage more if we knew there was to be a prob re cover. I have heard that there is an ins ombudsman decision saying we should have been given the option as to whether we wanted items restoring /cleaned given the high costs. Can anyone give me any more info? or a ref to the case?
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Actually I didn't make a mistake the ins co did by keeping cover on the house I had sold. The fact that they were there when i bought the ppty does not mean I can't replace them infact the ins co have replaced them!! They cant be easily removed they are fixed to the walls no doubt why the last owner had to leave them!!