Policy note
Fire and smoke in a listed building
Fire and smoke in a listed building is one of the situations the household conditions treat separately, and the wording is worth reading before anything happens rather than after.
What follows is the ordinary position at Kustwal. The policy schedule and the conditions document together are what a claim is assessed against, and where this note and those documents differ, those documents are the ones that count.
02
What the policy covers here
- Drying and making good afterwards, up to the sum insured on the schedule.
- Reasonable costs of stopping the damage getting worse in the first hours.
- The work needed to reach the damage, such as lifting a floor or opening a wall.
03
What it does not cover here
- Anything the schedule names as excluded for a listed building.
- Damage that was already there when the policy started.
- Wear, rot and slow decline, which are maintenance rather than a sudden event.
- Work done without telling Kustwal first, where telling us first was possible.