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Couple Seeks Storm Proof After Insurance Refusal

Monday June 25 2012




A CUDWORTH couple are having to collect evidence to prove there was a storm in Barnsley earlier this month - as their insurance company is refusing to pay out.

John Baugh says his house suffered in the heavy rain at the beginning of June (around the 8th and 9th) to such an extent that the roof lifted and water started leaking in.

The couple paid almost £2,000 for a roofer to come and do emergency repairs on their property on Pontefract Road - but when the surveyor from their insurance company came out, he denies that there was ever bad weather.

John said: "I'm really shocked - we pay our insurance premiums to include storm damage so we never once thought there would be a problem. It was so bad, the bedroom ceiling collapsed. But when he came out, he just refused that there had been a storm. He just wouldn't acknowledge it at all and tried saying it was due to the age of the roof."

John is now trying to gather evidence to prove that Cudworth had unusually heavy rainfall in a bid to claim the money back.

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Reply Posted by melv on Monday June 25 2012 at 10:26
go to local busnisses who have got cctv and ask for the footage it should show the weather.

Reply Posted by melv on Monday June 25 2012 at 10:26
go to local busnisses who have got cctv and ask for the footage it should show the weather.

Reply Posted by King Louis on Monday June 25 2012 at 10:57
With very old roofs in dis-repair leak, we have to mend those ones ourselves, If part of the roof blew off due to a violent storm then its the insurance that pays. Those big types of storms cause damage all around the locality and usually many claims are made on that storm day or the following one in the aftermath. From what we see in the photo then £2,000.00 for at most three hours work is also a little steep for the insurance to swallow. It'll be a fight to win this claim 

Reply Posted by Doglistener on Monday June 25 2012 at 13:09
http://www.bbc.co.uk/news/uk-england-south-yorkshire-18393130
Hope this helps

Reply Posted by Craig on Monday June 25 2012 at 13:48
£2000 for emergency repairs !! ---looks a right mess, ask for your money back

Reply Posted by AmandaJP on Monday June 25 2012 at 18:39
Got to agree, insurance should pay out but can't be more than a couple of hundred quids worth of repairs there. unless it included repairs to the inside too. Hope you win, insurance companies are has bad as banks!

Reply Posted by Jj on Monday June 25 2012 at 19:18
Who carried out the "emergency repair" a tramp high on meths?

Reply Posted by Dawn 1912 on Monday June 25 2012 at 20:38
That would be that Sunday when I was coming back from work Sunday the 9th june grates in the roads were like fountains going through Kendry and roads were like rivers, The police should have something on file as I passed several police cars going to events in the bad weather.

Reply Posted by Dawnbell 44 on Monday June 25 2012 at 21:50
I do believe it was the same time the drain burst up threw the road at the bottom of carlton hill!!

Reply Posted by Ianboid on Monday June 25 2012 at 23:39
Same thing happened to me, wear and tear he said, cost me hundreds to get right
At least dick Turpin had the decency to wear a mask

Reply Posted by Goneshopping on Tuesday June 26 2012 at 08:28
Flooding has nothing to do with how much rain falls on your roof -- flooding is the amount of surface water on the GROUND.
If water came through your roof then your roof was in a bad state of repair, if the rain was enough to dislodge roof tiles then again your roof was in a bad state of repair.
Also insurance companies HATE flat roofs, if you have not informed them you have a flat roof (which causes water to build up due to no run off) your insurance will be VOID


The insurance company has a right to refuse payment if you have not maintained your property - by taking out house insurance you aggree to maintain your house to keep the insurance valid.

============================================================
http://www.homeinsuranceguide.org.uk/building-maintenance.html


Each home insurance policy, whether buildings or contents insurance,
will require you to perform certain duties in order to keep it valid.
Failure to keep up your end of the insurance agreement may mean that you
are unable to make a claim if you need to so it is important that you
look at your policy carefully and ensure you do everything within your
power to keep your home maintained to a high standard.
To stop water from entering into your house via the roof perform a
thorough check of it, look out for any loose or missing tiles as water
may be able to enter in to your home this way or they may pose a danger
to passers by.


============================================================
http://www.lovemoney.com/news/insurance/home-insurance/16078/home-insurance-what-you-cant-claim-for

One in five believes that we can claim on our insurance to check or
replace roofing under any circumstances. This is not true. If a roof is
suffering gradual wear and tear, perhaps due to frequent heavy rain, you
have to pay to maintain the roof yourself.

On the other hand, if the roof is damaged in what's called a
'definable event', such as a fire or storm, you should then be able to
make a claim to repair the roof.


What is a 'definable event'?

Ongoing damage must come from a definable event such as a storm or a
flood in order to be able to make a successful claim on a home insurance
policy.
============================================================

Reply Posted by Simon on Tuesday June 26 2012 at 15:43
Feel sorry for the guy, but the trend to sort out house insurance online or over the phone means you have to do the leg work when things go wrong.  Using an insurance broker, yes you pay higher premiums, but they would argue your case with the insurer.