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Insurance question; may be one for people who work in insurance
8 replies to this topic
Posted 11 November 2012 - 11:25 AM
DH and I are getting a house built through a building company. We have supplied some items such as stone bench tops, floor boards, taps, lighting, dishwasher.
These are not covered by the builder if they get damaged or stolen. Does anyone know of an insurance that would cover these things until the build is finished And we can move in. I have tried calling a few places but didn't get very much info or help
Posted 11 November 2012 - 11:40 AM
Where will the items be stored until they are installed?
Posted 11 November 2012 - 11:49 AM
Either at our current house or with the supplier. Our concern is if the bench tops are installed and we have a break in and got stolen or damaged then we have to pay to get them fixed or replaced, which is why we want to get some type of insurance that would cover us
Posted 11 November 2012 - 11:58 AM
If your builder is going to be installing them, then they should be added to his policy once they are handed over to him for installation.
What reason did he give you for not wanting to cover them?
Posted 11 November 2012 - 11:59 AM
Get the builder - who will (or should) be insuring "their" items (and their built work) until handover to ask their insurer to extend their cover - find out how much more it costs and you pay the difference. We've just had to do the same.
Have a read of this article:
Can you get the benchtop and dishwasher to the cabinet-maker to shift the burden onto them?
Posted 11 November 2012 - 12:09 PM
Thanks for the article, it was quite informative.
We did ask the builder about adding the extra stuff to their policy but they weren't interested. Might approach them again.
The new house is at lockup and in the last stages of fit out but am worried that it will be completely empty over the 4 week Christmas break and a prime target for thieve.
Posted 11 November 2012 - 12:30 PM
What does your building contract say? According to one contract i have seen lately, all goods and appliances on site, regardless of who has provided them, become the property of the builder. There should also be provision in the contract or the code of conduct of the builder relating to ensuring the property is kept secured. In the contracts there should be something about the builder's insurance.
If you are worried about security on site, don't move the items to the property until you have to.
Perhaps you should contact your insurance agency and get some advice.
It does concern me that your builder is starting to distance themselves from responsibility - please make sure you understand your building contract fully and perhaps check out your state's consumer affairs department for more information.
A friend who is currently building - the builder refuses to have a key lock safe put in (the key was often left in plain site of anyone coming to the site or lost). Tiles and light fittings etc have gone missing. Lots of things broken (by the builder's reps but they won't take responsibility for the damage). They also told my friend they won't cover all loss or damage, although they are the reason for loss and damage!
Our builder's staff permanently damaged a high quality bathroom vanity and sink - i was told it was my own fault as it was in the contract for them to install it (!) and they did not want to do it and then i was told it was because we had not bought the product at full price, as to them it meant we had bought it damaged (that is with holes drilled all over it and the glass benchtop very obviously scratched and with random screws sticking out of it), even though it had never been used before and was wrapped up in original packaging and kept protected until installation). But then i am a lying b**ch as far as they are concerned.
Edited by katpaws, 11 November 2012 - 12:30 PM.
Posted 12 November 2012 - 02:15 PM
I'm a bit foggy so trying to follow as best I can. Is the builder installing these items? If they are not that could be where your problem lies. I know when we have looked into doing a section ourself or out sourcing it, it has meant the builder does not take the responsbility for that section. (We did not go ahead with the build though)
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