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House Insurance

  • 28-05-2015 10:50pm
    #1
    Moggaman
    Registered Users, Registered Users 2 Posts: 350 ✭✭


    Just looking for advice. I live in a 7 year old house .A self build i managed while working myself. Anywho, i employed a roofer to roof my house. There are 6 different leaks in the roof and it is proving difficult to positively say exactly where most of them are coming in. In fact there isnt much damage yet.
    How will an insurance company look on this. It boils down to shoddy workmanship but will they pay to re roof the house and go after him ( i think he is out of business now). There are damp patches visable where all the leaks were... Thanks


Comments

  • #2
    Pat Mustard
    Registered Users, Registered Users 2 Posts: 9,554 ✭✭✭Pat Mustard


    Moggaman wrote: »
    will they pay to re roof the house and go after him ( i think he is out of business now). There are damp patches visable where all the leaks were... Thanks

    They will pay as little as possible.

    Upon the submission of your claim, the first thing that the insurance company will do is to send its assessor to inspect the roof.

    If the leaks in the roof can be repaired satisfactorily, I doubt that the insurance co. would agree to pay to reroof the property.

    There are people who assist insured parties to make insurance claims; claims/loss assessors. You could consider hiring one, especially if there is a tricky element to the claim.


  • #3
    NUTLEY BOY
    Registered Users, Registered Users 2 Posts: 2,345 ✭✭✭NUTLEY BOY


    Check the contract / policy wording. Some policies may exclude claims arising from defective or faulty workmanship.


  • #4
    john kinsella
    Registered Users, Registered Users 2 Posts: 462 ✭✭john kinsella


    All policies have an exclusion for faulty workmanship.

    For it to be covered under your insurance there needs to be a one off single event (peril) that caused the damage i.e a storm on x date caused x damage that will cost €x to fix.

    I'm afraid by the sounds of it you wont have any luck with your insurers.


  • #5
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    john kinsella wrote: »
    All policies have an exclusion for faulty workmanship.

    You can just imagine what would happen to premiums if insurance companies started paying out for leaks caused by incompetent roofers and plumbers.

    As stated, it must be due to a specific event (natural or accidental) and does not include faulty workmanship, nor leaks or deterioration that happen over time.


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