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The Council insures your flat against the loss of or damage caused to the buildings. You do not need to take out additional buildings insurance.
Details of the insurance cover are provided in the ‘Statement of Cover – Buildings Insurance’ Booklet. The buildings insurance policy covers the full cost of reconstruction, not the market value.
You should familiarise yourself with the cover provided by the Buildings Insurance arranged by the Council. This Policy does not cover you against every kind of loss, injury or damage that may occur. For example, you may wish to obtain additional cover against theft or accidental damage to the contents of your home. You will need to make your own arrangements for any contents insurance you wish to take out.
How do I make a claim?
If you need to make a claim on your insurance you need to get a claim form. Claim forms are available from the Income and Homesales Section. Contact details are provided below.
The Income and Homesales Section
3 Orrell Road
Orrell
Wigan
WN5 8EW
Telephone: 01942 734065
Email: a.cottom@walh.co.uk
You need to complete the claim form and send it to the insurance company. The address and telephone number of the Claims Team are provided below:
Zurich Municipal,
Richmond Gardens,
Bournemouth. BH1 1JD
Tel: 08700 108855
What do I do in an emergency situation?
The Insurance Company operates a 24 hour Emergency Repair Service. Under this service the Insurance Company will arrange for an authorised repairer to call and make the appropriate repairs. If the repair is subsequently part of a valid claim under your policy, the Insurance Company will settle the repair costs direct with the authorised repairer. You will responsible for paying the authorised repairer if the repair is not part of a valid claim.
You can use this service if any domestic emergency occurs causing damage to your Buildings, for example:-
Accidental breakage of glass in your home
Blocked drains or escape of water from plumbing in the home
Your home becoming insecure due to damage to windows or doors
You should NOT use this service if the repairs relate to any part of the building for which the landlord is responsible, eg roof or communal areas in the block of flats. In these circumstances you should contact the local Housing Office to report the repair.
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