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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think we just need to claim on our insurance?

8 replies

ohbigdaddio · 22/02/2021 10:28

Posting for traffic. We moved into our new house 2 weeks ago. This weekend we heard an almighty crash and rushed upstairs to see a section of the ceiling had fallen down! Bit of a shock! It was directly under the shower on the floor above so we called a plumber who came round super quick and investigated.

It turns out the shower unit has not been fitted correctly (not flush with the wall and not sealed very thoroughly) so water had been leaking through for the last 2 weeks when we had showers. The plumber has advised we let things dry out and then he will return and whack a load of sealant in as a temporary measure but in the long term we need to re-tile and refit the shower tray correctly. He looked at our other bathroom and advised we need to tile the wall next to the bath, which has a shower over it – currently it's just a painted wall –and redo the sealant which, again, has not been sealed well at all.

We are going to deal with the main issue first and get the shower room redone, retile etc. We will then need to plaster the room below and redecorate the ceiling. After this we need to deal with the other bathroom.

I chatted to my dad over the weekend and he said we should find out from our solicitor who fitted the shower room and look into getting them to sort it out and, if need be, sueing them. I know he's trying to help but I feel it's our house now, we cannot contact the solicitor every time something happens! In my mind we just need to sort it all out and claim it back on our house insurance (which we had in place from day 1 of living here) if the cost is over our excess and something which we can't afford.

My dad has texted again, advising to contact out house insurance company if they have a legal helpline and to get the plumber to take photos and write a report on what's happened. Again, he is trying to help which is lovely but this all sounds a bit much to me – I know it's all a bit of a pain but surely it's not such a major issue to warrant all this?!

OP posts:
WutheringTights · 22/02/2021 10:35

Word of warning, we had similar. A ceiling fell in after a builder had been doing work upstairs and dropped a load of tiles. We assumed we could claim on the insurance as accidental damage. Insurer said that as it was the original ceiling it was wear and tear so no payout. We also had to disclose the incident on subsequent house insurance renewals, even though we didn't qualify to claim for it, and it put our premiums up. Insurance companies really are scum.

TakeTheCuntOutOfScunthorpe · 22/02/2021 10:44

I agree, only get the insurance company involved if the house falls down or is uninhabitable. If you try to raise a claim for anything else it will cost you more in the long run.

Twospaniels · 22/02/2021 10:44

Our shower leaked and the ceiling below came partially down. I called the household insurance company and they sent a plumber straight away. They also sent an assessor.
The paid for a new shower stall and the ceiling below. We just paid the excess
This is what you have insurance for.
Ring them.

ohbigdaddio · 22/02/2021 11:17

Thanks people. I was trying to establish that going back to our solicitor was not really the done thing which it sounds like by the replies.

@WutheringTights (love the name!) really sorry to hear that, that's shit! Can't believe they put your premium up too!

Will think carefully about claiming on our insurance.

OP posts:
Pompom2367 · 22/02/2021 11:39

They may not cover under your home insurance most have an exclusion for faulty workmanship

Dee1975 · 22/02/2021 12:06

Unsure if you can claim (I assume you can), but no point going to original person who got it. He fitted it under a contract with the prev owner and (I think) unless you had a guarantee of work included as part of the legal checks etc ... there is no recourse.
You bought a house, warts and all. So unless you had some someone to survey any ‘dodgy bits’ then you have to accept it is what a is.
Pretty shit of the prev owners though. Did they not use the shower? It was it out in last minute to make house look nice? They prob knew it was a bodge job.

GhoulWithADragonTattoo · 22/02/2021 12:09

I’d try insurance co first. Did your surveyor not pick up on this?

islockdownoveryet · 22/02/2021 12:34

I can’t see why you can’t claim , I had a leak once came through to living room . Insurance company sent assessor and priced up the cost for re plastering etc handed the money over within a couple of weeks . I don’t even remember if the premiums went up after . I’d ring and see if it’s covered if it’s not they’ll tell you .

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