steam iron/ carpet burn

EAGLE5 | 21:23 Tue 09th Oct 2007 | Insurance

6 Answers

Hi,
Can anyone tell me if Iam entitled to claim my insurance for a new carpet, my son was using the STEAM IRON and it accidently fell onto the carpet causing a large burn.? My carpet is about 7 years old.
thanks.

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Ethel

Have you got accidental damage insurance?

sambro

This will depend on the terms of your insurance policy. This happened to us a few years back and we were able to claim for a new carpet. Best thing to do is contact the claims section of your insurance company, they will be able to tell you immediately, if you are covered for this. If you are covered for accidental damage, then you should have no problem.

PS 12 months on from having a new carpet fitted courtesy of the insurance company, It happened again!!!! There was no way we could claim again, too embarassed, even though it was accidental. lol

factor-fiction

I once worked in insurance claims. Once on the day we received a claim for a new carpet following a burn on a carpet from an iron a claims assessor who was in teh area called round unannounced to see the damage and help with the claim. When he got there he said "hello, I've come to look at the burned carpet". "Oh" she replied "we haven't done it yet"

The insurer may be suspicious when you said your son was using the iron. After all, how many sons do the ironing?

If you are covered and it's considered a fire they may repair the carpet rather than replace it.

Mel_C

Hi EAGLE5,

I think you would be covered under the Accidental Damage section IF you have this cover selected on your policy, but the best thing to do is to call your insurance companies claims team.

Let us know how you get on.

Marijn

My son did the exact same thing when he was ironing, he dropped the iron onto nylon carpet. Our insurance company was fine about it. they gave us a list of their approved carpet shops we could buy the new carpet from. I don't see why the insurance company wouldn't believe you, as it is just the sort of thing a boy would do when trying to ironing.