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Insurance question

Discussion in 'Repairs & Maintenance' started by Jenko, 21st Jan, 2016.

  1. Jenko

    Jenko Active Member

    Joined:
    20th Jun, 2015
    Posts:
    40
    Location:
    Boyne Island
    My ip in chinchilla was hammered by the last hail storm last year. A window was smashed in the lounge room and the carpet was water damaged. My insurance company says that because I don't have contents insurance the carpet is not covered. I didn't think that carpet would be considered as content because it's floor covering like tiles or timber flooring. Talking to my PM this morning she says the carpet has shards of glass through it and the tenant wants it replaced. Does anyone know if it should be covered of not. I have 8 houses, three cars and a boat insured with the same company maybe that would give me some pull?
     
  2. Jess Peletier

    Jess Peletier Mortgage Broker - Australia Wide Business Member

    Joined:
    18th Jun, 2015
    Posts:
    2,781
    Location:
    Perth WA
    I'd say probably not unfortunately - carpets and blinds are part of contents insurance in most policies. But speak to your quantity surveyor, you may be able to claim scrapping on the remaining value of the carpet.
     
  3. Scott No Mates

    Scott No Mates Well-Known Member

    Joined:
    18th Jun, 2015
    Posts:
    5,576
    Location:
    Sydney or NSW or Australia
    Unless you have either contents or landlord's insurance with contents you haven't got insurance.