We often get asked, when is a house classed as non standard for insurance purposes? Here are some examples:
This is obviously not an exhaustive list, but if your property is non standard and you haven’t disclosed it to an insurer, you will have a major problem when/if you make a claim.
The below is an example of how the non disclosure of a non standard part of your property can potentially spell disaster:
JoanÂ Smith (not her real name but all other details are correct) had serious flood damage in Limerick last year, with over â‚¬80,000 worth of damage done. We helped her with her claim, moved her into emmergency accomodation, put her in contact with independent loss assessor etc. The claim was moving along fine, until the insurance companies assessor noticed that Joan had over 20% flat roof on her homeÂ and hadn’t disclosed this to her insurer. They contacted the client to say the claim was being rejected for non disclosure.
Luckily for Joan, we discovered that she had an old policy with her insurer, which never gave mention to flat roof on the proposal form and we were (eventually) able to secure the full claim on her behalf. If she had taken out a new policy in the last 5 years I don’t think she would have been so lucky. Moral of the story? Home insurance can be a minefield of terms & conditions, always disclose everything to your insurer at the outset or contact a specialist broker.
Most ‘standard’ insurers will not quote when your property falls into the ‘non standard’ bracket & it will cause considerable heart ache at claim time if your company believe you have not given them the whole picture. Here are a few tips to make sure you stay on the right side of your insurer:
If you believe your home to be non standard for any reason, contatc the experts onÂ 0818919699 for a quotation today or vist our home insurance page for further details..