After the recent very heavy snow around 9M of my girlfriends cast iron guttering has landed in her garden. I reclaimed some and bought a couple of lengths panning to fit yesterday. However a couple of the curved flat brackets have bent and they look difficult to replace so decided on our first insurance claim in 20 years (because her neighbour was quoter £1400 for a similar repair). Now her insurance company is saying its classed as accidental damage and she is not covered. She questioned the fact that if a tree had accidently fell against her house would she be covered?. Possibly because that might be storm damage came the reply. surely the definition of accident is that someone is at fault? but no one was at fault here. Sorry for the long post but I just cant believe it.
Anyone got any advice please?
Anyone got any advice please?