Andy Wade wrote:
nonymouse wrote:

Thanks for your advice and honesty. Truth is, we honestly don't know if
the current repairs are necessary due to a previous storm...but it's
only recently that we've noticed it. So there is an element of truth in
what I'm saying. I am not deliberately trying to defraud the insurance
company.

An insurance company would only pay up for this if you could produce a
structural engineer's report stating that the damage was caused by a
storm, or lightning strike, etc. Otherwise natural deterioration of
the pointing over a period of time is what they will term a "gradually
operating cause" - this is something which all insurance policies
specifically exclude.


If this were true, they wouldn't have to settle any claims on older
properties which, by definition, are all suffering from gradually
operating causes