Things that are often not covered

If you read the previous posts about the type of cover available and the extra things that are usually included, we now go through circumstances, events and things that are often not covered.

We have made this a simple list that you can check and if in doubt contact your insurer or broker.

Damage to your home caused by the actions of the sea such as a storm surge.

Breaking the law – for example, damage caused whilst you manufacture methamphetamine.

Building extensions – you would expect your builder to cover your home and his building work.

Buildings that are in poor condition. – for example a ceiling is water damaged as your roof has rust holes. The ceiling repairs may not be covered.

Ground movement such as settlement cracks within the house.

Parts of your home that were built in a manner that did not comply with regulations that existed at the time. A typical example is the pergola you built and covered with polycarbonate roofing. If you did not place enough slope on the pergola roof to comply with  regulations then the repairs to the pergola may not be covered. 

Power surge – damage to your home directly caused by a power surge. Damage by lightning is covered.

Radioactivity 

Damage caused during a war

Damage caused by tree or plant roots.

Damage caused by hydrostatic water seepage. This is ground water that seeps through walls and causes damage. Damage caused by a storm is covered.

This is not an exhaustive list and there may be other things in your policy that are exclusions. There are two exclusions that are commonly talked about that are often misunderstood and these are: 

Wear and Tear 

Defects and poor workmanship

Wear and Tear

Often insurers will decline a claim on the basis of wear and tear. What does this mean and do they have the right to do so?

Wear and tear is defined as the damage that happens to an object in ordinary use during a period of time. A typical and often seen example is the bedding and pointing to the ridge tiles of your roof. It deteriorates over time and may lead to tiles or pieces of mortar falling from your roof. The repair of the bedding and pointing in this circumstance would not be covered and insurers would expect you to maintain your home by paying to have the work done at your expense.

Another common example is carpet that wears out over time under normal usage and foot traffic. Insurers will not pay to replace carpet that is simply worn out.

Defects and Poor workmanship

If your home has defects or areas that are poorly built then cover is not provided for the defect or area that was poorly built. 

This can be very distressing if the insurer has given the go ahead to a builder who then encounters a defect that needs to be fixed. The builder may agree to fix the problem but it will be at your cost. At that time, you are locked into a contract with a builder who may over charge to correct the defect. 

A typical example is where a leak was found in the bathroom and during the course of repairs the builder finds damage caused by a leaking shower base as the shower is not waterproofed properly. 

It is our suggestion that where such a defect is known or suspected that you ask the builder for a quotation to correct the defect before they start or ask the insurer to simply pay the repair costs (cash settle) and manage the repairs yourself. In the above example, the builder will most likely know if the shower is water tight (or you can ask him to check it), so you should discuss the shower with him and get him to quote the shower repair before starting. 

Remember it is your home and the builder or insurer should not impose repairs or replacements on you that you are not comfortable with. If it is in your best interest to be paid out then phone and explain this to your insurer, who we are certain will act to assist you.

437 thoughts on “Things that are often not covered”

  29. wawada casino

    Tak już jest z ludźmi, że czasem chcą spróbować szczęścia, poczuć adrenalinę, przeżyć coś emocjonującego i, oczywiście, stać się bogatszym. Ale gdzie można znaleźć szansę na wielką wygraną? Oczywiście, że w wirtualnym kasynie w Polsce, które z powodzeniem wyparło tradycyjne salony. Jednym z takich interesujących miejsc jest legalne kasyno online Vavada, które warto odwiedzić przynajmniej raz. Wawada PL jest dostępne online i zachwyca nie tylko oryginalnym wyglądem, ale także prostą nawigacją i zrozumiałym interfejsem. Krótko mówiąc, licencjonowany casino Vavada ma wszystkie pozytywne cechy, które powinno mieć dobre kasyno. Właśnie w tym celu stworzyliśmy ten przegląd, aby użytkownik mógł lepiej zrozumieć, czy warto się tu zarejestrować.

  34. cricash24

    I love how quick the deposit and withdrawal process is on this site. The cricket section has everything I need and the notifications keep me updated on all upcoming matches. A go to app for sports fans. cricash24

  35. bmw88slot

    I used to switch between different sites all the time but this one keeps me locked in. The promotions are generous and the withdrawal process is surprisingly straightforward. Feels like they really care about their regulars. bmw88slot

  36. pecryptocasinogames

    Crypto players really need to check this out. Deposits and withdrawals through digital currency are lightning fast and the transaction fees are practically nonexistent. The game library covers all the modern blockchain friendly titles I have been searching for. Security measures are top notch and my wallet never felt safer. A must visit for anyone who values privacy and speed. pecryptocasinogames

  37. bkk33app

    I have tried many different platforms but this one really stands out for its reliability and fun gameplay. The app never crashes and I always get my rewards exactly when promised. bkk33app

  38. iniw7game

    Loving the smooth gameplay and quick withdrawals here. Every session feels fresh and exciting. Just found my new favorite spot to unwind after work.

  39. thunion777th

    Lucky streaks feel totally normal here because the games are just that well balanced. I enjoy the weekly reloads and the team actually remembers returning players. It is my favorite cozy corner for weekend entertainment. thunion777th

  40. mytiger247app

    I downloaded the app this morning and everything loaded perfectly even on a slow connection. The round the clock support feature is a lifesaver when I forget my password or need help with a bonus code in the middle of the night. I love how they add new table games every week and keep the rewards fresh for loyal players. You will not regret trying this platform mytiger247app

  41. olx168apk

    Loving the smooth updates and quick app access. The APK downloads are super fast and the interface is so easy to navigate. Finally found a reliable spot for my daily gaming sessions. Highly recommend checking this out. olx168apk

  42. vnbij66

    I rarely write reviews but I had to share how much I enjoy my time here. The daily logins always bring a little surprise and the games feel perfectly balanced. It is rare to find such a genuine spot in this space and I will definitely stick around vnbij66

  43. 68boss

    Hey, gotta mention 68boss. I signed up, and it delivered pretty neat experiences. I was surprised by their customer service, actually helpful. Check it out: 68boss.

  45. win44app

    Downloaded the win44app the other day. Pretty smooth, actually! Makes putting a bet on super easy when you’re out and about. Worth a download if you’re a mobile user. Try it out: win44app

  47. apk88id

    Downloading the app was surprisingly straightforward since I just grabbed the direct file. Everything runs smoothly on my Android device without eating up too much storage. The game selection is diverse and the bonus structure actually makes sense for regular users. It is nice to have a platform that prioritizes accessibility and straightforward entertainment. Take a look: apk88id

  48. in11xgame

    Finally found a gaming site that keeps things simple and transparent. I love the quick check in process and the daily rewards keep me coming back. Staff is friendly and the whole experience feels very trustworthy. in11xgame

  50. h2bt

    Quick look at h2bt – seems to be pointing towards some decent betting platforms. Worth a check if you’re exploring different options. Take a look at: h2bt

  52. betssoncasinochile

    Playing at betssoncasinochile has been such a refreshing experience for me. The live dealer tables feel incredibly authentic and the slot selection keeps things exciting. I appreciate how transparent their promotion terms are and the payout speeds are seriously impressive. It feels like a spot that truly values its community. betssoncasinochile

  53. vnkuwinvip

    I cannot believe how polished this entire experience is from start to finish. The welcome package actually matches what they advertise and there are no sneaky wagering traps hiding anywhere. I feel genuinely respected as a player and the quick payment options make everything so convenient. Hit the link below vnkuwinvip

  54. mega888login

    Playing slots here has been an absolute blast since I found this platform. The games load super fast and the customer support really goes the extra mile. I have not felt this excited about online betting in years. Thanks for keeping the vibes high and the payouts smooth. mega888login

  56. 888winapp

    Playing on this platform has been such a smooth experience for me. I love how fast the withdrawals are and the game selection keeps me entertained for hours. If you are looking for a reliable spot to spin and win, this is definitely worth trying. 888winapp

  57. 337betlogin

    Hey there! I just tried out this platform and honestly the login process is super smooth. Everything loads fast and customer support actually picks up which is rare these days. Give it a spin if you want a hassle free gaming session. 337betlogin

  58. bg666game

    The security on this platform gives me total peace of mind while I enjoy my favorite table games. I also appreciate how transparent the bonus terms are since there are never any nasty surprises when I try to claim a reward. Rolling out on the weekends has never been this easy. bg666game

  61. bdtk999betvip

    This place really makes high rollers feel like they are at a private club. The exclusive VIP tiers come with faster cashouts and a personal account manager who actually remembers your preferences. I have been playing here for quite a while and the treatment just keeps getting better. Stop by bdtk999betvip and experience what a premium gaming floor looks like. bdtk999betvip

  62. brblbet22

    Sports betting meets casino fun in one seamless package here. The pre match and in play options are endless and the cashout feature saves me when I need to secure a quick profit. I really enjoy the weekly reload bonuses and the fact that they host free tournaments with zero entry fees. Reliable site with a community that actually listens to feedback. brblbet22

  63. bd112233baji

    Finally found a platform that actually respects player privacy while keeping the games thrilling. The live dealer section feels incredibly polished and customer support replies within minutes. I have been playing for months and this keeps getting better. bd112233baji

  64. argranposeidon

    Popped in for the first time yesterday and honestly the welcome vibe caught me off guard in the best way. Everything loads quick and the game selection feels fresh without any weird clutter. Feels like a place that actually cares about its regulars. argranposeidon

  65. 888vbet

    Navigating my bet slips is so intuitive that I barely need to think twice before placing them. The daily cash out options have saved me a few times and the mobile version runs just as smoothly as desktop. Stop by 888vbet

  67. vavada casino

    Choć na polskim rynku platforma Vavada.net jest obecna od stosunkowo niedawna, nasz globalny debiut miał miejsce już w 2017 roku. Od tego czasu zdołaliśmy zbudować solidne zaufanie wśród tysięcy miłośników hazardu nad Wisłą. Każdego dnia nasz portal rejestruje wizyty ponad 8000 aktywnych użytkowników, co stanowi najlepszy dowód na nasz dynamiczny rozwój. Społeczność graczy docenia nas przede wszystkim za bezproblemowe działanie, świetne bonusy oraz fachowe podejście do klienta.

  71. vavada

    Cześć! Mamy ogromną przyjemność powitać Cię na oficjalnej, całkowicie legalnej witrynie Vavada Net PL Casino, stworzonej specjalnie z myślą o polskich graczach! Nasze kasyno znajduje się pod adresem Szwoleżerów 1, 00-467 Warszawa, Polska. Numer telefonu: +48505490512. Możesz je odwiedzać przez całą dobę, 7 dni w tygodniu, i bez żadnych problemów grać na złoty w takie klasyczne gry jak Tetri Mania czy Lucky 81 od 1 grosza!

  72. w777slot

    The slot library here is massive and I have not found a single hidden fee anywhere. Free spins trigger way more often than I expected and the RTP on their top titles is genuinely fair. Customer service actually responds within minutes which is a rare find. w777slot

  75. br9nbetvip

    The live dealer games here have such a chill atmosphere. I love how the hosts keep things fun and the betting limits suit both casual players and high rollers. My wins get processed quickly and I always feel respected. Check br9nbetvip for a great time br9nbetvip

  77. vin7772

    My go to pick when I need a quick break from work. The mobile experience is flawless and I can cash out within a couple of hours. Friendly staff and a zero hassle deposit process make this a standout. vin7772

  79. bjbaji7login

    Navigating between sports events and casino games on this site feels incredibly seamless. I particularly enjoy the dedicated section for cricket matches where the odds are updated in real time. Quick deposits through multiple local payment methods make placing bets incredibly convenient. Consistent performance and fair play make this my daily destination for entertainment. bjbaji7login

  80. 786btlogin

    Finally found a betting site that actually delivers on its promises. The registration process was quick and the dashboard is super easy to navigate. I enjoy the variety of sports markets and the cash out feature is a lifesaver during live matches. Will keep coming back for more. 786btlogin

  173. vndt88

    I just wanted to leave a quick thank you for keeping things so simple and enjoyable. I tune in after my shift to blow off steam and the table selection is exactly what I need. The chat team answered my question in minutes and walked me through everything patiently. It really means a lot when they actually care. vndt88

  176. vnb52win

    Hey mates! I wanted to share my latest discovery because vnb52win has been taking care of me like a true gaming home. The payment options are flexible and I never had to wait forever for my cashouts. It just clicks when you know the platform actually respects your time. You should definitely check it out vnb52win

  394. shal777login

    Just joined the platform and I am already hooked on the slot collection. Every spin feels fair and the welcome pack gives you plenty of chances to explore. The support team was super helpful when I had a quick question about my first deposit. shal777login

  396. 888betcasinologin

    I have been looking for a smooth online casino experience for months and finally found exactly what I needed. The games load fast, payouts are quick, and the support team actually cares. Highly recommend checking this out if you want a trustworthy place to spin. 888betcasinologin

  397. 77wcasino

    Been playing here for a few weeks and the live dealer tables feel so smooth on my phone. Love the weekly cashback program that keeps the bankroll moving. You should really try 77wcasino

  398. tkgemlogin

    Hey there. I rarely leave reviews but I had to do this one. The login process is lightning fast and I never worry about my personal details being secure. It gives me such a relaxed feeling knowing I can focus entirely on the game without technical hiccups. The game library keeps getting better and the staff always responds quickly. I feel like a regular here and that matters a lot to me. tkgemlogin

  436. 45678com

    Stumbled upon this site while looking for a new basketball betting market and I am so glad I clicked. The odds update quickly and the in play feature works flawlessly even during overtime. Reading the community tips here always gives me a fresh perspective before I place my picks. Felt like meeting a group of knowledgeable pals instantly. 45678com

  437. phtg777app

    I live in the region and have been searching for a trustworthy spot that actually delivers. This platform checks all the boxes with fast local payment options and a massive game selection. The mobile version works flawlessly on my phone and customer care is top notch. Definitely worth a visit. phtg777app

Leave a Reply

Your email address will not be published. Required fields are marked *