Christian McArdle wrote:
If this were true,

It is.

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

Nonsense.

You can't claim for gradually operating causes, which is effectively code
for "wear and tear", like needing to repaint windows due to weathering, or
needing to renew pointing.

You can claim for non-gradually operating causes, like subsidence, a tree
smashing into the bedroom, a lorry in the lounge, storm damage or flooding.

Christian.




But storms damage older properties more easily. Slates blow off because
the fixings have gone. Chimneys blow down because they're not as strong
as a modern house. In other words, the root cause is gradual. I've no
doubt the insurance would pay up if his chimney fell through the roof
even though, with hindsight, you could say it was due to neglect.