Conservatory. Is it subsidence?

[^woody^]

Yeah I was looking through my policy yesterday and it mentions that it's the 'main dwelling' that is covered and not outbuildings and i'm not 100% certain what the conservatory comes under.

It also says that settlement isn't covered, and also it's not covered if any maintainence/repairs have been repaired and there's been poor workmanship.

It also says subsidence isn't covered unless the 'main dwelling' is affected at the same time.

A conservatory is not an outbuilding.

It's not settlement.

There's been no maintenance.

It is the main dwelling.

 

[^woody^]

I would. The insurance companies have several "get outs" - poor workmanship, settlement (not subsidence), and so if you claim and have it rejected

If the risk it's covered, the claim it's paid. It's very simple.

All insurers try to not pay or minimise payouts. That's why they employ loss adjusters.

But all insurers opinions can be challenged if the insured does not agree.