Ensure you insure

Not long after I purchased my flat in London I decided I would go explore the loft.

So I got a ladder and a friend was round. I clambered into the loft to inspect the floor and beams and everything else.

I was treading carefully on the beams but noticed that the floor was actually concrete so decided that I did not need to tread so careful from now on.

Bang my foot and entire leg disappeared. It wasn't concrete, it was just gray plaster board and I was being dumb.

So I ended up with a bruised and scratched leg and groin area as well as an inch thick layer of dust over my entire bathroom, oh and I forgot to mention, I big hole.

I actually left the hole for a long while, planning to repair it myself but never getting round to it.

So when it came to the time for me to sell, something else happened. A storm collapsed aprt of the roof and now I had a hole in the living room.

I contacted my insurance firm and as much as I had always thought they were ripping me off they just said ok and fixed both the plaster ceilings for my simple £75 claim fee. Sadly the external roof damage was not covered as it was damage occured over time and this set me back a lot of money.

I guess my moral is that is something is going to be costly to fix then it's a good idea to insure it. Which reminds me, I should look into insuring my laptop!

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