Homeowner who 'fell through bathroom floor' can't claim full insurance
Homeowners are increasingly facing insurance claim denials due to the 'gradual damage' clause in their policies. Insurance ombudsmen have upheld these denials, noting that damage caused by long-term leaks or wear and tear does not qualify as a sudden, accidental event.
Why it matters
This highlights a growing gap between consumer expectations and insurance policy limitations, emphasizing the importance of understanding specific coverage definitions for home maintenance.
A man who stepped out of his shower and fell through the bathroom floor is one of a growing number of people caught out by insurers' approach to gradual damage.
The article reports on factual disputes and ombudsman rulings without taking a side, presenting both the homeowners' arguments and the insurers' policy justifications.
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