House Insurance Question?

  • by Heidi
  • Aug 07,2018
  • 6 answers

A large resin wall hanging ornament fell off the wall and smashed various items on mantelpiece. The insurance company say I can't make a claim as it wasn't "accidental damage", as in I didn't knock it off the wall. Does this sound a standard response? I can't believe this has happened. Any advice?


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Insurance Answers (6)

Best answer

Ghost Of Christmas Past 3 months ago

Write to the insurance company, heading your letter COMPLAINT, saying that the damage is the kind that any reasonable person might have expected to be a risk covered by an insurance policy and that their behaviour is unreasonable and unacceptable. That should trigger their complaints procedure.
Check whether there is a regulator or Ombudsman applicable to insurance in your country or state. If there is, complain to them.

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mbrcatz 3 months ago

As always, it depends on your policy. The standard "HO3" policy would NOT cover this - contents are covered for named perils only, and "it fell off a wall" isn't a named peril. But the "HO5" form typically WOULD cover this, assuming that the value of the item is greater than your deductible. Since it's resin, I doubt that would be the case.
Lastly, on EITHER homeowners policy, if you had a piece of fine art that you specifically scheduled under an HO61 or Fine Arts endorsement, it could also be covered - sometimes with no deductible. But you have to set that up in advance of the loss.

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vivienne 3 months ago

They should reimburce u for the broken items, not for the hanging ornament. I have legal insurance as well - the best money ever spent i m telling u. In case like yours i would contact the lawyer. It is called juridical help insurance. They re independent from your insurance and are free to use and they would settle everything with your insurance. If u dont have one - contact a lawyer

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DR + Mrs Bears face 3 months ago

Why did the ornament fall? If the hanging cord/wire or whatever needed replacing and you did not replace it then you were negligent.

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babyboomer1001 3 months ago

They are correct. It was not accidental. It was negligence. Who every hung the ornament did a piss poor job of it.

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Casey Y 3 months ago

Were any of those items on the mantle listed on a valuable articles floater (VAF) or any other form for special items?
If you had any of those items listed on your policy, they would be covered in this instance; I've seen it happen, kids break stuff...
If you did not have any of those items listed on your policy on a special form (same form you would use for Jewelry), then your standard homeowners coverage forms would most likely not apply. If you happen to have an HO5, there might be some coverage with sublimits.
If you have an unendorsed HO-3 policy...you are out of luck.

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