Anything to do with insurance always put in writing and ask for them to confirm acceptance of any changes/ receipt, so they are aware of any changes to the risks in the policy. We notify our insurers of any major works being performed at the house. as it changes the risk profile. This week we are having the entire house scaffolded, for roof repairs, pointing our 6 chimneys and replace cast iron guttering and fascia boards etc
. Its always worth quantifying with your insurers what your insurance actually covers in areas where work is being undertaken eg we have very expensive Westmoreland slate roof and with scaffolding going up all round, for how long is weather dependant, so there is a possibility although quite remote that our roof tiles and lead section of the roof could be stolen. You might be quite surprised by the answer you get back and how conditional it may be.
I always get copies of the contractor's public liability insurance and request them to do a H&S assessment.
Totally agree regarding keeping insurance companies advised.
I gave my daughter the advice to buy quality insurance, rather than the cheapest.
This certainly paid dividends, when her cottage suffered flood damage, last November.
No issues with the claim (cottage had no history of flooding).
ps I love the reference to your six chimneys.
Reminds me of a dear friend from Norfolk who remarked that “Mummy and Daddy’s house is quite small”
My answer was “Alison, your Mum and Dad’s house has three staircases. Trust me, it’s not small”’
Bud
4/4 - Stanley
