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?