- Reaction score
- 5,173
It doesnt matter eitherway as they had improved the kitchen and had a new kitchen ring circuit and cooker circuit. The insurance firm had covered them as the house was. By improving it and then using a iffy spark they had changed what was covered without notifying the insurer. Regardless of t andcs about who does work this is in nearly every policy. You are covered for what you have. If you add an extra bit on or carry out substantial improvements then the insurer has a greater liability so premiuns go up... Basically you tell them or when you claim you risk being told a firm NO.As the fire was not related to an electrical fault I very much doubt that would stand up to legal scrutiny.
I am aware of similar clauses in some mortgages that any major improvements. Extensions etc be notified to the bank and again electrical. Gas windows etc be done by approved persons... I wouldnt be surprised if the scams are actually encouraging the insurers to do this more.