'ello
This time last year after the storms we had a leak around our chimney, got local roofers to come sort it. After all the rain recently same thing has happened again.
Went up in the loft and found that the cause is that the chimney wasn't properly fixed, and we've had a small leak in the roof since (at least) last year. I should have checked better (serves me right for trusting people know what they're doing
), but we've now got timbers that are rotting around the chimney and where the water has wicked down from there, half a dozen or so roof timbers (as opposed to floor). Great.
Question is if I call home insurance is that going to screw me? The roofers who did the original job are coming out next week to inspect it (and fix the sodding leak for good), but have I screwed myself over by not using home insurance from day 1? Not really sure what next steps are. Absolutely cannot afford to replace the beams on our own but if I talk to home insurers are they going to reject it based on the fact we had prior work done?
If the latter I might as well just take out a loan or something and get it done privately, will screw me over less in the long run.
Can't you get the rat from the other thread to come in and eat the leek?
(sorry)
Seriously though, I can't imagine that timbers will have gone rotten (albeit might depend how old the house is as most timber in modern houses seems to have the longevity of balsa!) in a year which suggests that there has been a more longstanding problem, is it where the timbers interact with the stack as that could be due to a plethora of things like condensation in the stack itself?
TBh I've never claimed on house insurance so can't really advise, albeit as above I suspect its a much longer standing issue than just recently/recent repair caused.
