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Buildings insurance - make a claim, or not?!
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Question
LC1
We've had a recurring problem with the tiling in our bathroom. Shortly after it was done, a few tiles around the window began to move and big cracks appeared in the grout. We talked with the tilers and they didn't know what had happened but thought it might have been the adhesive so agreed to knock out and replace the affected tiles (300 x 600, about 5 tiles in total).
Shortly after, it happened again. The tilers were less keen to fix them, but agreed to do it once again. In hindsight this was very good of them. Having now happened for a third time, I have concluded that it must be an issue with the building, and a missing or rotten lintel above the window is my best amateur guess as the likely culprit.
My question now is whether to go through my insurer to pay for this work, quoted at £400 for the builder to make good the lintel and then whatever the retiling costs are going to be on top, maybe the same again, if not more.
Maybe seems like a no-brainer, but I've never claimed anything on insurance before and I don't know how to go about it, or whether they'll just hike my premiums up so I'll end up paying the same or more over future years?
Should I claim for it? If so, anything I should be careful/mindful of?
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