Built in microwave - came as part of the flat.original appliance
Electronic devices after fire..
- Thread starter bastic
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Built in microwave - came as part of the flat.original appliance
Is it an old microwave? I'd be quite concerned how this caught fire when not in use. Probably something to chase up with the manufacturer.
Soldato
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I would definitely chase the manufacturer rather than the insurers. I understand it is a tough thing to get over but your blame should be aimed at them. It would be a waste of time pushing the insurers for the pets but i would try for general contents anyway, as that much is worth your time.
The manufactures can most definitely be chased down. The fact that a pet died and the kitchen was ruined shows that the situation could have resulted in the loss of home and human life if things were slightly different. They will cover most any reasonable demand you make or risk considerable damage to their business.
The manufactures can most definitely be chased down. The fact that a pet died and the kitchen was ruined shows that the situation could have resulted in the loss of home and human life if things were slightly different. They will cover most any reasonable demand you make or risk considerable damage to their business.
Soldato
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Replace pets on house and contents insurance Wut?Good luck with that one mate pmsl.
pmsl? is that really necessary the guy's flat is wrecked, one of his cats is dead and the holiday was cut very short, how is him trying to recoup the costs anyway possible funny?
Soldato
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Get legal advice because the cause of this fire is shocking
In a way you are lucky you weren't there.
Sorry btw. Sounds like a bad one
I would push for cost of holiday replacement too!
In a way you are lucky you weren't there.
Sorry btw. Sounds like a bad one
I would push for cost of holiday replacement too!
Soldato
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Not from the building insurance though, surely.
Building insurance - Push for repair/decoration and have a go at getting some contents and kitchen furnishings from them
Manufacturer of appliance - Everything. Kitchen/furnishing/holiday/vet bills. Though i would seek legal advice before speaking to them, as your claim on insurance may effect your claim from manufacturer.
Definitely.
The cat's a demise pity but prioritizing paying for a holiday ahead of buying any contents insurance is a wee bit silly?
I'm pretty sure it wasn't a money thing, as it sounds more like an oversight?
Surely, buildings insurance must come with consequential loss? I think the OP should be a fairly decent position to claim the money for the belongings that were damaged in the house.
If the roof caved in and destroyed all of belongings on the top floor, you would expect the buildings insurer to pay for this stuff. The same as if your chimney fell down and landed on your car, you wouldn't go through your car insurer - the buildings insurer would have a responsibility to cover that.
The built in microwave has caused damage to other things and as long as it's counted to be part of "the building", they should cover the other items that were damaged as a result of a fault with "the building".
I don't think that is the case actually, you would have to claim under your contents insurance. Apparently even carpets are not covered if your roof caves in as they are considered 'removable' and therefore contents.
https://www.theguardian.com/money/2003/sep/20/homeinsurance.insurance
"Indeed, complaints from householders, without contents insurance, who argue that their damaged carpets should be covered by their buildings insurance have recently been rejected."
Soldato
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Not the insurance, no... whoever is responsible for the microwave!
It might do with regards to being replaced.
However I think a lot of people (not you) are getting house insurance muddled up with how car insurance works. So just because your microwave is insured by your buildings insurance it doesn't mean the insurance company are responsible for replacing any of your other contents (or pets) if a fire is caused by the microwave. As Avenged7Fold points out if there is any liability it is with the manufacturer.
Simply put, if you have a fire, however it starts, then buildings insurance is responsible for damage to the the building and replacing any permanent fixtures. Your contents insurance will replace any other damaged contents like TVs, Sky boxes and carpets.
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If the flat was bought as per post #8, all appliances supplied become your property and most estate agents have disclaimers that built in appliances are not tested for safety and it is up to the buyer to arrange safety checks on all electricals if they desire. I can't see buildings insurance paying out for anything non-structural when it was the contents that caused the fire.