Claim Denied: How A DIY Disaster Can Impact Your Insurance

You take out insurance cover to cover against an unexpected loss and if your property is damaged in some way you might decide to make a claim to cover the cost of repairs.

The big problem is that if the damage is caused by a scenario that is not covered by your insurer or your DIY disaster means you fall foul of their rules, your claim could be denied and you will be left to pick up the bill.

Here is an overview of some of the circumstances that could cause an insurance claim to be denied, including some common mishaps that could leave you out of pocket, why you need to take building codes seriously, plus a reminder about a risk to your personal safety.

Check your coverage

Although you can’t say for sure that your insurer is going to say no to a claim for damage to your property because of a DIY faux-pas that needs putting right, the type of cover you have will definitely be an influential factor.

If you haven’t paid for full accidental damage cover there is a high chance that the insurer will take the view that you are at fault and will be unlikely to consider your request for financial assistance.

Using the right tools for the job, like these, will help improve your odds of doing the job properly in the first place but you also need to have a more comprehensive level of insurance if you want a better chance of getting your insurers help to put things right.

Staying on the right side of codes and laws

If you are carrying out certain repairs or renovations to your property, especially if you are working with electrics and plumbing, it is likely that you might need to get a permit for the work being done.

Permits and local safety laws are designed to protect the homeowner and whoever uses the property from harm by having minimum standards and requirements that need to be met when the work is carried out.

If you decide to do this type of work yourself you will not only be putting yourself and others at risk if the electrical or plumbing is not up to standard, you are also likely to be facing a hefty repair bill on your own if something subsequently goes wrong.

If your insurer discovers that an installation or repair doesn’t have a permit or hasn’t be carried out by an approved qualified contractor, they are very likely to dismiss your claim in a heartbeat.

Any home improvement project or DIY repair comes with a risk attached if you are not qualified to do the work, and another issue that is also worth pointing out is that if you don’t have the right protective gear and safety training, you could be putting yourself at risk of injury.

A DIY disaster can cause you a lot of problems and if you cut corners or don’t play by the rules, you might find that your insurer won’t offer the level of financial support you hoped for when making a claim.

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