Costly DIY mistake that has nothing to do with how well you do the work

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In these annoyingly ­uncertain times, with Brexit and recession worries, many people are making home improvements rather than moving.

But things can go horribly wrong giving your house a face lift – and leave you out of pocket.

One reader, Quinton, converted his internal double garage into a bedroom 18months ago.

The whole of his downstairs was flooded this month so he made a claim on his insurance.

When the assessor came out to his property in Derbyshire, he asked when the garage had been converted and if Quinton had ­planning permission.

Quinton gave him a copy of the planning certificate and thought all was OK.

But three days later, he received a letter saying his claim was being rejected as he had failed to notify them of the conversion. So his policy was void.

 

Another reader, Edward, ­installed a new kitchen in July 2018, which set him back £22,500.

In May this year, his kitchen caught fire and the whole room was destroyed, plus the utility room and part of his hallway.

When Edward, from Marlow in Buckinghamshire, put his claim in, the insurance provider made ­inquiries about the kitchen, due to the amount it cost.

It then refused to cover the entire amount on the basis Edward had not informed it about the new installation.

Lisa, another reader, and her husband, describe themselves as DIY enthusiasts.

They took on a big project, ­dividing one of their bedrooms into two, which involved building a wall and an additional doorway.

Following a house fire, they put a claim in and stated it was a four-bedroom house.

DIY
It doesn’t matter who does the work

 

The insurance provider ­questioned this. According to its records, the house, in Reading, Berkshire, had three bedrooms. It asked for details as to when the change happened and how much the works cost.

Lisa said they had carried out the conversion themselves, hence why the cost was low.

Following this, the claim was rejected because they had not got an experienced builder to carry out the work.

Luckily, the insurers had a change of heart and paid out. But it shows that this is yet another excuse they could use.

You can see more advice from Dean on theconsumerlawyer.blog



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