insurance claim for bath, thoughts wanted
I dropped a new bar of soap in my bath accidently and it cracked the bottom of my bath recently. I have accidental damage on my insurance so I am trying to claim, my bath is an obsolete colour and was going to cost almost £1000 to replace so I had to have the loss adjusters come out to look. They contacted me afterwards and said that in their opinion a bar of soap would not crack an acrylic bath and therefore the bath must have weakened over the years and they are trying to get out of paying me to replace the bath. Has anyone ever heard of an insurance refusal because acrylic weakens over the years? I feel that if the bath had weakened then, it would be more likely to break if you dropped a bottle of shampoo or similar into the end of the bath that you actually step into and lie against, rather than it cracking after dropping a bar of soap (which is like a small brick when new) into the tap end of the bath where no one stands or gets into the bath. Any thoughts on this or whether you can appeal against a refusal if thats what my insurance company decided?