Help! So when is an "All Risk Homeowners/Household Insurance" NOT all risk Insurance?
We have a Policy that, as far as can be seen, covers everything. However in November we unfortunately suffered damage when there was severe flooding. The water went inside our garage, ruining a lot of tools and equipment.
We have just received a letter from our Insurers advising that "unless there was a Declaration of a Catastrophe Naturelle", they, the Insurers, are not liable.
Can this be correct? And I wonder if anybody knows of any organisation I could approach to get clarification on this.