CP 0 3 BHA
Well-known member
Today has not been a great day. Last night our house and our B&B business were flooded during the storms.
Although we had about 15 inches of water collected in our lane outside, the ground floor of the B&B and our downstairs rooms had only an inch or so through. We've a lot of cleaning up and drying out to do but as a result of much of the ground floor being tiled, it seems that the only real damage is carpeting to two rooms - one fairly large, new skirting required for one room and possible replacement of the parque flooring in another room.
We also had 4 inches through the garages which I'm treating as an opportunity for a clear-out - although sadly many of my programmes back to the 70s were caught, including my 1983 cup final one.
This all leaves me with a dilemma. Do a make an insurance claim so that this costs me very little in the short term - but possibly a lot in terms of fture insurance and property value - or do I try to avoid a claim and take the costs on the chin - which will be very painful.
This happened as a result of the drains in our village being inadequate but that's another battle to be had.
If anyone works in the insurance industry or has direct experience I'd value their opinion.
Thanks.
Although we had about 15 inches of water collected in our lane outside, the ground floor of the B&B and our downstairs rooms had only an inch or so through. We've a lot of cleaning up and drying out to do but as a result of much of the ground floor being tiled, it seems that the only real damage is carpeting to two rooms - one fairly large, new skirting required for one room and possible replacement of the parque flooring in another room.
We also had 4 inches through the garages which I'm treating as an opportunity for a clear-out - although sadly many of my programmes back to the 70s were caught, including my 1983 cup final one.
This all leaves me with a dilemma. Do a make an insurance claim so that this costs me very little in the short term - but possibly a lot in terms of fture insurance and property value - or do I try to avoid a claim and take the costs on the chin - which will be very painful.
This happened as a result of the drains in our village being inadequate but that's another battle to be had.
If anyone works in the insurance industry or has direct experience I'd value their opinion.
Thanks.