Buildings insurance & accommodating for disability

66Mustang

Does anyone have any experience of making a buildings insurance claim and getting alternative accommodation with special needs?

Our bathroom is currently not usable and I am not able to use something like a neighbour’s shower or gym shower or something, I need my “own” shower e.g. a hotel room or something like that

I think a “normal” person would be told to just live in the house like normal but find somewhere else to have a shower, that’s not an option for me

I have severe OCD and stuff so can’t go without a shower

We have alternative accommodation cover up to £50k or something but it has to be reasonable, would it be considered reasonable if I gave evidence of my conditions etc.??

Can anyone advise what we might be able to do??

Thanks

66Mustang

Thanks for the replies

Yes it's due to an insured event, fortunately for us, the only bother we have to worry about is not having a bathroom to use for a time, which I'm grateful for as it could be worse

I understand that they provide accommodation when the whole house is not usable, but I wonder if the bathroom comes under that, because it's a necessary part of the house being able to be lived in (we only have one bathroom)

I guess most people would be told to shower at work or at the gym or something but that's not an option as a result of my conditions

Thanks again for all the tips 😊

OverlyAnxious

I think most people just wouldn't shower for the short term. They'd have a flannel wash of the vital parts using the sink instead.

I don't think this sort of thing would be covered by insurance, but interested to know the result.

66Mustang

Thanks a lot @MW123, that makes sense to me

The one thing I'm worried about is that we didn't inform them of my conditions before taking out the policy

Would this mean that they wouldn't be covered, because they might have charged more if they knew?

In our defence, we were not asked about any disabilities when getting our quote - we were asked if we had any expensive disability aids for our contents insurance, but what (if any) conditions or disabilities didn't come up at all, and we were not given an opportunity to specify these

Thanks again!!

@OverlyAnxious I'll be sure to post back when I get a result/answers 😊 I'm aware we could just ring them but we can't until Monday so just trying to plan ahead

66Mustang

Thank you very much for your time posting this info @MW123 the advice is extremely useful