Nobody's fault but mine? (burst pipe= financial apocalypse?)

[paulmurr]

Umm... tell the insurance company that you were living there a few nights per week while remembering NOT to post about it on the internet?

[fieldl]

Surely you were staying there but at this time of year have been off around the country visiting relatives?
I am sure you will not be the only one with a burst pipe claim going through.

From your post that doesn't look to be the case though, shame could work out expensive.

[Tom_C76]

My household insurance has a clause that it is invalid if the property is unoccupied for more than 60 days. So provided you reinsured it in your name when the tenant left you might be OK.

[MrTom]

Take the advice above and delete this thread asap

[lawrence567]

MrTom said:

Take the advice above and delete this thread asap

ASAP on the A-Crack

[hornetrider]

glazbagun said:

You know those things you hear of others doing and think "what a tard! It's only a phone call, FFS!" Today I join their ranks.

Whilst at uni, I've been renting out my flat which has just about been covering the mortgage whilst away. My tennant, who had previously signed up for another 6 months changed his mind and left, giving the appropriate notice. I came back from uni on Saturday but, pissed off with a delayed mammoth train journey, stayed at my parents place over the weekend getting drunk and making merry, instead of going home. On sunday (59 days after the tennant moved out), whilst I was regailing tales of my year and the things I'd make sure I'd do this year, a pipe burst in my attic, drenching my flat and that below.

• drumroll*

Because my previous tennant had originally agreed to stay and because I was moving house down south with a million other things going on all week, with another guy moving in in the new year, I neglected to tell my insurance company that the place was unoccupied. I've stayed the odd weekend when sick of my folks/uni, but never used any central heating. Also- the flat underneath are rubbing their hands with glee at a remodel. As well I might be if not for the massive cloud over my head- on the PH-ometer- how shafted am I? Will this have any effect on my insurances likleyhood of paying out/will they laugh their heads off and joke about how they dodged that bullet over a taard who forgot to call them with such a simple change?

Apologies in advance if this post reeks of full-blown paranoia, but I currently have ~ £-400 in the world and can only think negatively ATM.

Edited by glazbagun on Wednesday 23 December 15:42

I would definitely delete all of this before you attempt insurance fraud.

Oh.

[Jezza30]

Would the buildings insurance cover this or does it just cover the fabric of the building? Assuming you have a service charge for the flats which covers such insurance....