Ceiling fell down, neighbours fault! Contents Insurance help!
So it was raining pretty hard on Sunday
I came home from work to be confronted with this.
TV is ruined, PS3 and a few other bits. The house is uninhabitable as there is no power. I was going to move in a few weeks, so I guess this just speeds the process up.
The builders have come in and brought the rest of the ceiling down.
So their investigation has found...
Next door neighbours liked opening their skylight to smoke and drink and apparantly to take off clothes, when they were done, they would throw cigerette butts, beer cans and clothing into our gutter. With the heavy rain on Sunday it caused a massive build up which is what caused the ceiling to cave in.
Anyway, I have our contents insurance man coming out on Tuesday. Shall I tell him exactly what happened and we'll be covered? (I dont want to be fobbed off by being told its next door neighbours responsibility.
I also hear they like to try and tell people that it was "Wear and tear" of course I had no idea this would happen and was caused by the actions of someone else.
Any advice in dealing with them when they inspect stuff? I havent plugged anything in yet and dont intend to.