Hetj Posted June 24, 2009 Share Posted June 24, 2009 Has anyone had a problem claiming on their insurance due to damage caused by the tempest early on in the year. We had an expensive heavy duty winter pool cover put on our pool at our holiday home (near Clermont l'Herault) last November and believed our UK based insurance - which we had researched long and hard - covered this item. Now having had damage - effectively the storm shredded the edges away so it is written off! - we have had several phone calls to the insurers, who first said we should claim for the pool cover although the pool fence wasn't covered (and we knew the latter, anyway!), and then got a letter and second call (different person) saying it wasn't. The policy wording upon scrutiny is VERY open to interpretation although when we read it originally we thought it covered such items. On appealing to the insurance company they are now saying (bizarrely!) that if we can show others have claimed successfully on their insurance for such damage to pools after the tempest they'll consider paying! Anyone had damage like this during the tempest, any similar experience, or an offer any help here? Would also welcome ideas on where to go for my renewal to cover some pool cover at least???!!! Link to comment Share on other sites More sharing options...
BIG MAC Posted June 25, 2009 Share Posted June 25, 2009 If you have combined buildings and contents Insurance then this removeable item may well come under contents rather than buildings. It may be that the Buildings Insurers specifically exludes garden features (Walls etc) unless damaged by the same Insured event as the fabric of the buildings. The contents Insurer may take the view that the item is covered as would garden furniture etc. in many cases.I would also go back to the supplier and sugest that a pool cover should be designed to cover the pool in poor weather and consequently may not be fit for purpose....I believe there is a European directive re fitness for purpose which confers a two year period within which an item can be returned but am not sure on the details. Link to comment Share on other sites More sharing options...
Mik from LA Posted June 25, 2009 Share Posted June 25, 2009 Some friends of hours lost their very heavy, hinged pool covers in the storm and have made a successful claim but using a French company. We are in 31 Haute Garronne but it was the same storm. If you want to e-mail me your details I will ask them to contact you directly. I am sure they would be willing to help. Link to comment Share on other sites More sharing options...
Hetj Posted June 29, 2009 Author Share Posted June 29, 2009 Thanks very much for your helpful ideas and suggestion. We have scoured our insurance and think we will try and push it as contents within boundary of property (n fact ot is surrounded on theree sides by our house and the neighbours. Also damage was caused by a natural catastrophe (as long as I can show it was declared so by President Sarkosy) and this should be covered. Thanks again. Het Link to comment Share on other sites More sharing options...
Clair Posted June 29, 2009 Share Posted June 29, 2009 [quote user="Hetj"]... damage was caused by a natural catastrophe (as long as I can show it was declared so by President Sarkosy) and this should be covered. [/quote]Insurance claims under "catastrophe naturelle" should be made within 10 days of the decree being published in the Journal Officiel.Assurance et catastrophes naturelles (in Google English here) Link to comment Share on other sites More sharing options...
AnOther Posted June 29, 2009 Share Posted June 29, 2009 Would this only apply to French insurers though Clair, not UK as the OP has ? Link to comment Share on other sites More sharing options...
Clair Posted June 29, 2009 Share Posted June 29, 2009 Good point Ernie.Is there such a thing as catastrophe naturelle in a UK policy? (act of god maybe?) Link to comment Share on other sites More sharing options...
AnOther Posted June 30, 2009 Share Posted June 30, 2009 Act of God yes.That begs an interesting question if a non believer's claim were rejected due to actions by someone who doesn't exist [Www] Link to comment Share on other sites More sharing options...
Théière Posted June 30, 2009 Share Posted June 30, 2009 Didn't Billy Connolly make a film like that? Link to comment Share on other sites More sharing options...
AnOther Posted June 30, 2009 Share Posted June 30, 2009 Yes, The Man Who Sued God, and a good watch it is. Link to comment Share on other sites More sharing options...
BIG MAC Posted July 7, 2009 Share Posted July 7, 2009 Were the subject matter of any claim directly attributable to actions by A.N. Other (No offence Ernie) then the other party Deity or not may be held liable under subbrogation and a settlement pursued.Problem with Deities is that they tend to operate on the principal of eternal reward (Or infernal for those going downstairs) Link to comment Share on other sites More sharing options...
AnOther Posted July 7, 2009 Share Posted July 7, 2009 I'm sure that meant something to someone BM [8-)]No offence taken BTW [;-)] Link to comment Share on other sites More sharing options...
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