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Started by leaseholdanswers, 12-01-2014, 11:38 AM
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  • Insurance claim (accidental damage) declined
    nfp40
    Hi All

    I have had a buy to let for 11 years and recently while my wife and I were clearing the front guttering, she accidentally fell off a ladder into the front wall and caused it to collapse (she was not hurt, just bruised). I made a claim to my insurance company.

    I hold...
    19-07-2017, 16:37 PM
  • Reply to Insurance claim (accidental damage) declined
    jjlandlord
    I agree with the others that for a wall in general, and a 'thick' wall like yours in particular to move that way just because someone essentially pushed on one side it must be inadequately designed and built.

    At least your wife is lucky because if the wall had not moved she would have hurt...
    21-07-2017, 16:08 PM
  • Reply to Insurance claim (accidental damage) declined
    MrShed
    A bit like a collapsing bumper on a car - a safety feature almost

    (jk)...
    20-07-2017, 13:31 PM
  • Flood risk insurance
    Sunshine2014
    Any ideas of landlord insurance with flood risk Please ? Struggling and loosing the will...
    19-07-2017, 23:17 PM
  • Reply to Flood risk insurance
    jpkeates
    Insurance broker, not an online application - ads on this site somewhere.
    20-07-2017, 13:10 PM
  • Reply to Insurance claim (accidental damage) declined
    jpkeates
    I'd have thought that if the wall hadn't fallen over, the wife could have been badly hurt.
    20-07-2017, 13:09 PM
  • Reply to Flood risk insurance
    JK0
    Direct Line?
    20-07-2017, 11:57 AM
  • Reply to Insurance claim (accidental damage) declined
    tatemono
    that 300 mm is what you need for a wall to be built to regs and I agree with ram that as the wall wasn't constructed properly it was no wonder it fell over.

    The good news is that if you want to reconstruct it, it will be much cheaper than doing it properly and involve no digging up of your...
    20-07-2017, 08:57 AM
  • Reply to Insurance claim (accidental damage) declined
    ram
    This wall is an after thought, as none of the other houses seem to have walls.

    If the wall has no concrete base going down about 300 mm and in width, as the insurance states, then that is why your wall moved over.
    It is plain to see the wall parted from the ground where there is little
    ...
    20-07-2017, 08:03 AM
  • Reply to Insurance claim (accidental damage) declined
    royw
    I am no expert but I wouldn't expect a wall to collapse when a person fell on it.
    19-07-2017, 20:52 PM
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