Posted: 31/10/2013 at 10:23
I feel this is very much a weather related posting.
AWB: so sorry to here about your greenhouse not to mention all the spoiled freezer food.
I hope your insurers play fair - some years ago when an enormous overhanging bough was broken by a regional storm. the bough ended up just touching and resting on our greenhouse Denting it slightly. Any further weather damage and the whole greenhouse would have been crushed.
I informed the insurance company to get confirmation that they would cover the cost of a proper tree firm surgically removing the bough to protect the greenhouse.
The call centre (in India I think) tried to tell me there had been no storm in my area (according to their computer records) And I would not be covered for damage that had not occurred yet.
i told them they were talking rubbish and had photos to prove it and if they didn't agree to cover the qualified removal of this storm related new risk ( a few hundred pounds) then they were going to have to pay out for a much greater property damage bill when the bough finally crushed the greenhouse. On the other hand, they did agree to cover the tree surgery, I would be willing to correct the slight damage already done without asking them to buy me a new greenhouse.
Within less than a minute the guy came back to me, having 'checked with someone else' and instantly agreed they would cover the cost.
I seem to remember - not surprisingly - I insisted on email confirmation of this volt-face.
Some of these firms are quite ruthless - you have to play them at their own game to get what you are entited to. I Hope your own claims are trouble free.