I've just had a large chunk of ceiling in the hall come down. Happened
while the house was unoccupied. No apparent reason. It's the original lath
and plaster. Had it been a normal flat ceiling I'd just have replaced it
with plasterboard - but this is the bit that goes under the stairs so is a
complex shape in places. And is way beyond my skills.

Is this the sort of thing I could claim on the house insurance for? Or
just fair wear and tear?

--
*A woman drove me to drink and I didn't have the decency to thank her

Dave Plowman London SW
To e-mail, change noise into sound.

"Dave Plowman (News)" wrote in message
...
I've just had a large chunk of ceiling in the hall come down. Happened
while the house was unoccupied. No apparent reason. It's the original lath
and plaster. Had it been a normal flat ceiling I'd just have replaced it
with plasterboard - but this is the bit that goes under the stairs so is a
complex shape in places. And is way beyond my skills.

Is this the sort of thing I could claim on the house insurance for? Or
just fair wear and tear?

--
*A woman drove me to drink and I didn't have the decency to thank her

Dave Plowman London SW
To e-mail, change noise into sound.

Wear and tear, according to a neighbour whose ceiling fell down last week!

Peter

"Dave Plowman (News)" wrote:

I've just had a large chunk of ceiling in the hall come down. Happened
while the house was unoccupied. No apparent reason. It's the original lath
and plaster. Had it been a normal flat ceiling I'd just have replaced it
with plasterboard - but this is the bit that goes under the stairs so is a
complex shape in places. And is way beyond my skills.

Is this the sort of thing I could claim on the house insurance for? Or
just fair wear and tear?


It's worth making a claim.

If it had been caused by a burst pipe, you would claim, wouldn't you?
So why not for this?

On Aug 22, 1:51*pm, Bruce wrote:
"Dave Plowman (News)" wrote:

I've just had a large chunk of ceiling in the hall come down. Happened
while the house was unoccupied. No apparent reason. It's the original lath
and plaster. Had it been a normal flat ceiling I'd just have replaced it
with plasterboard - but this is the bit that goes under the stairs so is a
complex shape in places. And is way beyond my skills.

Is this the sort of thing I could claim on the house insurance for? Or
just fair wear and tear?

It's worth making a claim. *

If it had been caused by a burst pipe, you would claim, wouldn't you?
So why not for this?

When I claimed for something like this (after a water leak) the
insurers paid up but then raise my premiums enought to pay off the
bill in two years. Afterwards i decided not to bother in future
claiming for things like that.

Robert

On Aug 22, 2:00*pm, RobertL wrote:
On Aug 22, 1:51*pm, Bruce wrote:

"Dave Plowman (News)" wrote:

I've just had a large chunk of ceiling in the hall come down. Happened
while the house was unoccupied. No apparent reason. It's the original lath
and plaster. Had it been a normal flat ceiling I'd just have replaced it
with plasterboard - but this is the bit that goes under the stairs so is a
complex shape in places. And is way beyond my skills.

Is this the sort of thing I could claim on the house insurance for? Or
just fair wear and tear?

It's worth making a claim. *

If it had been caused by a burst pipe, you would claim, wouldn't you?
So why not for this?

When I claimed for something like this (after a water leak) the
insurers paid up but then raise my premiums enought to pay off the
bill in two years. * Afterwards i decided not to bother in future
claiming for things like that.

Robert

Quite, claims will be paid back several times over in the years ahead.
Insurance is not a maintenance plan.


NT

"Dave Plowman (News)" wrote in message
...
I've just had a large chunk of ceiling in the hall come down. Happened
while the house was unoccupied. No apparent reason.

So the insurers might be able to claim it was a terrorist attack so won't
pay out ;-)

On Fri, 22 Aug 2008 13:30:28 +0100, "Dave Plowman (News)"
wrote:

Is this the sort of thing I could claim on the house insurance for? Or
just fair wear and tear?

No, it's not under the list of covers.
But what does it cost to cliam anyway, you never know, all sorts of
cover are added as sweeteners.

Dave Plowman (News) wrote:
I've just had a large chunk of ceiling in the hall come down. Happened
while the house was unoccupied. No apparent reason. It's the original
lath and plaster. Had it been a normal flat ceiling I'd just have
replaced it with plasterboard - but this is the bit that goes under
the stairs so is a complex shape in places. And is way beyond my
skills.

Is this the sort of thing I could claim on the house insurance for? Or
just fair wear and tear?

Read the policy & find out exactly what circumstances are covered and claim
for one of them.

A few years ago I had ceiling damage due to a dodgy plumbing connection.
That rather strangely wasn't covered, so I told them I was working on the
plumbing & accidentally put my foot through the ceiling instead.


--
Dave - The Medway Handyman
www.medwayhandyman.co.uk