Hi all,
Bit of a weirdly specific question, and I'm not having much luck finding out information about it. I am, of course, going to call my broker and insurance company, but I'd just like to have all my info to hand before I do.
In summary:
- In 2012, bought a house and took up home insurance
- In 2013, had a house fire, extensive damage
- Spent the next 2 years dealing with a bunch of fallout from this
- At this point, after much back and forth, my claim is closed, and everything settled
The thing which confuses me is this: my fire was caused by my faulty dishwasher. My insurance company essentially took legal action against my dishwasher manufacturer to recoup their expenses from paying for my house. My dishwasher company settled before going to court, and my insurance company was completely paid back for my claim. The dishwasher company accepted liability for the fire.
So in essence, my insurance company has incurred no loss through my fire, as they passed this loss off to my dishwasher company. However, this year, when my renewal documents arrived from my broker, the full amount of the fire claim is listed under the "claims" section of my summary.
So my questions are:
- Should this still be listed as a claim at all?
- Shouldn't the amount for this claim be 0, even if it does have to still be listed?
I know this is an odd situation, which is probably why I'm having such trouble finding information about it, but has anyone else had a similar situation? Or could explain to me ifI'm wrong in my thinking that the claim amount should be 0 or that it should be not listed? I am concerned that this claim sitting on my record is going to prevent me from getting reasonable premiums or moving insurers, even though it wasn't my fault (and the dishwasher company legally said so).