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Well - not really. But sort of.
It's not her fault there was a leak in her bathroom - it is her fault she didn't read her policy wording where it clearly states that cover only applies to the damaged items in a suite / damaged areas of a property - so the bath has to be ripped out because the leak is underneath it and it is damaged in the process: covered. The bath has to be replaced, so might as well strip the bathroom back to brass tacks and kit it out with a whole new bathroom suite and fully tiled throughout: not covered.
Getting the work done and then trying to claim back the £3500 bill was not a wise decision.
So, I had the joy of explaining to her that we could only cover £1100 worth of work, with a £250 excess to deduct - and as a goodwill gesture £450 towards the cost of the undamaged items. £1300 and she is left to pay the remaining £2200
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