Had a nightmare of a day. I had a bath early on this afternoon, whilst drying myself all the electrics in the house go haywire and I hear this almighty bang.
I went down stairs to find the entire contents of the bath, in the kitchen... Yes all the water is now looking like an indoor pool. I also have a gaping big hole in the ceiling.
Now I wasnt that fussed about the ceiling as its a rented house so its not my fault however the rest of the contents in the kitchen is mine, including the kitchen itself as I put it in.
So I first rang the council to report the damage who told me to ring back later on.... nice customer service that was. I then ring the insurance company. As im waiting on hold im reading the policy (id never really read it before in detail) and it says im covered for all 'fixtures and fittings'. So I think to myself 'oh im covered' the kitchens 'fixed' and its 'fitted'.
After being on hold for a long time and then being cut off by some silly cow, I then rang back and started again. 'Oh your not covered sir, its not fixtures and fittings, thats covered by buildings insurance'. How can that not be fixtures and fittings? I will admit I dont know anything about this stuff ive never claimed like this before in my life. He then asked me about everything else, I then got onto flooring. They tell me click laminate is covered by the contents and glue laminate is covered by buildings, which I found really odd. I then said so what does a curtain pole come under then? I was just trying to understand what hes saying and feeling fobbed off by his explanations. I wasnt claiming for a curtain pole, its just I didnt understand any of this. He tired to tell me curtains are fixtures and fittings but the pole would be covered by buildings...... WTF?
Well after arguing the toss for about an hour he then goes off to speak to his supervisor. After keeping me on hold even more, he then comes back saying 'your covered after all by landlords indemnity' what ever that is. GREAT !!!!!!!!!!!
So why on earth did I have to argue to toss with two people in order to find out I was covered anyway. What makes me angry firstly is the policy its self. They have lists of all the things you are covered for, and what your not, but you cant see any of it. The policy is also badly worded and really confusing in my eyes.
The other thing that makes me really angry is the fact that If I had of listened to these people on the phone and hadnt stood my ground, I would of just took the damage on the chin and either put up with it or paid for it myself to be fixed.
I do feel better now knowing im covered, but it still makes me angry that I had to argue with them. Im now waiting for Rainbow International to contact me about 'restoring' the damage. How there going to restore my kitchen when its soaked up the contents of the bath and ballooned in places to twice its size is beyond me but there you go.
Had anyone else experienced anything like this, are they always this bad?