What is the point of insurance then?

[katmarie]

I have house insurance, buildings and contents, and this morning I got up to find water coming into my utility room after all the rain last night. Obviously something is leaking, likely the roof. No worries, as I say, I have insurance.

So I call the insurance company who say, no sorry, because last night's weather doesn't fit our criteria of a storm, your roof is not covered. So what is the sodding point of having insurance then? I'm so annoyed now. Any suggestions on what to do next?

Look at check-a-trade for a roofer or guttering expert. We did get charged by a roofer who came out but he was trying it on and we told him no.

Read your policy and see what it says. If you think the decision is wrong, you need to write to the insurance company and tell them why. Ask for the decision to be reviewed and a full explanation as to why they don't think it is covered. When you write to them you can ask the process of challenging the decision.