morddwyd, I suggest you put on a pair of Plimsolls, like wot King Canute might have done,go down to the water's edge, stretch out your arms [with pointed fingers] and order the water to RECEDE FORTHWITH! It's worth a try. (put a paper hat/crown on first.)
I don't suppose for one minute that it is a laughing matter for you so I do hope that you have taken all the precautions you can and probably more importantly all the precautions that your Insurance Company may expect you to take.
I have noticed that many of your posts in recent weeks have been a bit difficult to understand so do you have a problem with making new posts?
The water is now receding, but I have a damp patch on the bedroom ceiling, and a look outside with binoculars reveals some misplaced tiles, so now to find the insurance company's, and my policy, numbers!
Being attacked from above and below!
Actually any minor problems I have pale into insignificance compared with most.
It's a common misconception that repairs resulting from defects caused by gradual wear and tear will automatically be covered by a home insurance policy. That's not always the case.
Many people are finding that claims for the cost of repairing damage caused by missing or broken roof tiles or slates are being rejected by insurers. There's an obligation on the part of householders to take reasonable steps to ensure their property is maintained.
The important word tends to be the 'gradual' part of 'gradual wear and tear'. A high wind that dislodges tiles isn't 'gradual', for instance.
The earliest they can get somebody to come and look at the problem (not fix it, just assess it) is the 23rd.
Now given that my problem is minor compared to some people, I still have a hole in the roof through which water is coming.
Am I being unreasonable in expecting a response in less than ten days?
On the FE's point, examination of the roof, admittedly through binoculars, shows the displaced tiles with clean, undamaged, brightly coloured, unweathered areas around the edges, where they have been displaced by the storm we had on Friday.
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