Hey guys hoping someone on here can give me some info/advice.

The ceiling in my garage is dropping/pulling away from the frame work and I was wondering if anyone else has had this problem and did their insurance company paid out on the claim.

In a nut shell if I call the insurance company and get them to
look at it would I be able to claim it or would I not be able to claim due to me knowing about the problem and not fixing it myself.

I hope this makes sense, any info or experience's would be a great help.

Cheers Thommo

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Its all about the pink flaps

Nope, they wont. Unless it was caused by storm damage or some other incident. Regular wear/tear or deterioration over time is not covered.

as above they will only cover storm damage, and most request you to send a few pics by email rather than send an actual assessor out. So if the ceiling "looks" like it has storm damage e.g water stains hint hint.... there's a good chance they will pass it. Just check back on when Perth had a bad storm and put that date down, and the tradies who quote have to put down storm damage on the quote too.

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There's a hoon in every Typhoon

As above, get someone out to quote on repairs and in their report to state it is a result of storm damage, with small claims they won't even send an assessor.

It is all about what you say, with the direct insurers the truth is a dish best served in entree portions as most/all of the people at the end of the phone don't have a clue about insurance and are just there to take details which they enter into a computer to get an answer.

I am not saying to lie as that could get you into a lot of trouble and also myself. If the builder says it was storm damage then who are you to argue with a professional.....

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And remember to remove all of these replies once the claim has gone in :P

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