rivarama
Member
- Messages
- 1,102
Hi folks- I am after a bit of advice here.
I got back from holiday 2 weeks ago to find that the ceiling of my office downstairs had come down because of a leak and completely ruined everything in that room. Turns out the suction cups holding a shower shelf in the bathroom right above the office gave out in the heat and fell off on the shower taps, turning them on as a result.
So some water dripped for about 3 weeks and destroyed the shower silicon seals and penetrated in the wall and through the ceiling etc... Quite a freak accident really.
Cutting a long story short, the insurance company doesn’t want to cover the damage as they claim it’s a case of wear and tear of the seals, and that this issue had been going on for months supposedly (makes no sense really). Obviously I completely disagree, but I don’t have the energy to fight them for 2 months with the stress that comes w it, and I need that office to be fixed quick as I have been working from home a lot lately. So I will poney up the cost of repair myself.
My question is about the premium: I have received a letter in the mail today, telling me that I need to pay for a premium increase - which I am shocked by as they haven’t covered anything - so no cost to them.
Am I right to assume that premiums shouldn’t change for the period of the contract I signed already (I paid the premium upfront for 12months), and that any increase would only be passed on at renewal time, which is in 8months?
Thanks for your advice
I got back from holiday 2 weeks ago to find that the ceiling of my office downstairs had come down because of a leak and completely ruined everything in that room. Turns out the suction cups holding a shower shelf in the bathroom right above the office gave out in the heat and fell off on the shower taps, turning them on as a result.
So some water dripped for about 3 weeks and destroyed the shower silicon seals and penetrated in the wall and through the ceiling etc... Quite a freak accident really.
Cutting a long story short, the insurance company doesn’t want to cover the damage as they claim it’s a case of wear and tear of the seals, and that this issue had been going on for months supposedly (makes no sense really). Obviously I completely disagree, but I don’t have the energy to fight them for 2 months with the stress that comes w it, and I need that office to be fixed quick as I have been working from home a lot lately. So I will poney up the cost of repair myself.
My question is about the premium: I have received a letter in the mail today, telling me that I need to pay for a premium increase - which I am shocked by as they haven’t covered anything - so no cost to them.
Am I right to assume that premiums shouldn’t change for the period of the contract I signed already (I paid the premium upfront for 12months), and that any increase would only be passed on at renewal time, which is in 8months?
Thanks for your advice