Are fitted carpets landlord fitting or content?Make Text Bigger
We’ve just had a neighbour’s drain backup cause flooding in our lower ground floor flat bedroom. Luckily flat is between tenancies.
However, our block of flats landlord insurance company is refusing to cover our fitted carpet replacement, stating it’s content and as such not covered.
Our policy states under covered items: “Wide definition of buildings including: landlords’ fixtures and fittings, outbuildings, roads, garden machinery, garden furniture, trees and plants.” Insurer said if the carpet was glued down, it would be considered a fitting (who glues carpets down?). Out of curiosity, we asked if our wooden floors were covered – answer was yes, because they are “not easy to take up and move elsewhere”.
And a fitted carpet is?
I am not seeing the logic and the agent had a hard time explaining the discrepancy. Does anyone have any similar experience?
Is there any way of challenging this?
It’s in my view very misleading wording in the policy.
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