We have RAA home and contents insurance and after talking to their claims department were suprised to to told they wont pay anything.
The back of our stone shed collapsed. It is on the boundary of our property and fell into our neighbours yard. It took out a bit of fence, their tree and is piled up against their laundry.
We had a lot of rain over the week and it took a few days to soak away. This may have contributed to the walls collapse.
Have a look at the pic. This to us seemed like exactly the thing you have insurance for.
general insurance guidelines
Buildings must be maintained up to code, be sound etc. They probably declined you because the building has clearly been neglected over the years.
If you have public liability cover they may pay out your neighbor if they have any claimable damage.
We bought the house about a year and a half ago. I have reno'd the house and was going to fix the shed. already have all the materials to re roof it. The walls had cracks but were straight and the trusses in the ceiling are in good condition. I was very suprised it collapsed. Now its definately a demolition job.
I am covered for damage to my neighbours property in their PDS. Sadly they dont see a 3m high stone wall collapsing and crushing everything under it as damage. To me it looks like a pile of damage to their property.
While your shed is insured under their “Home” policy collapse is not an insured event.
also under General Exclusions..
Earth movement
We will not cover you for loss, damage or liability caused by or arising
out of erosion, vibration, subsidence, landslip, landslide, mudslide,
collapse, shrinkage or any other earth movement.
But we will cover you for:
? explosion – insured event 2
? earthquake or tsunami – insured event 5
? bursting, leaking, discharging or overflowing of water or liquid – insured
event 7
? flood – insured event 12.You should however be fully covered for damage to your neighbors property…
Legal liability cover
Home If Home or Fixtures and Fittings are shown on your Certificate of
Insurance, we will cover what you have to pay for your legal liability as a
result of an incident:
? at the home, and
? arising out of your ownership of the home
which causes death, bodily injury or damage to property.Be aware that once a claim is made the policy may cease at settlement with no refund of premiums and a new policy would need to be purchased to maintain cover. You may loose no claim bonuses and pay a higher premium now that you’ve made a claim. This claim may not be worth it. I’d talk to them about it first to see how this would run it’s course.
Thanks for your replies. they have been very informative. I am probably not going to pursue a claim any further.
I will be ringing them with examples of problems and asking if they would be covered though to see if their insurance is worthwile.
seems like were covered for flood so long as its not from water, fire as long as there are no flames. and so on lol.Hit up the original builder
they might still honour their warranty
or great opportunity to create a communal shed like in the old carlton mid addsas long as your neibour is covered i think you will be paying for the rest
LOL
You must be logged in to reply to this topic. If you don't have an account, you can register here.
