In addition to my buildings and contents insurance I took out additional insurance , with another company, especially to cover water supply pipes and internal plumbing and drainage.
In the correspondence for this year`s renewal they told me how I , as ` a valued customer` would benefit from even greater cover.
Yesterday I had cause to put them to the test.
I have a small occasional leak in the kitchen, which seemed to come from the kitchen central heating radiator.
I phoned for service, paid the £50 excess , which had to be paid before anyone would be sent out, and waited for the contractor, who came within a couple of hours.
He found the leak was coming from the bath drainpipe [the bathroom adjoins the kitchen] and the side panel of the bath would need removing in order to gain access.
He then calmly told me he did not carry enough sealant to replace the side panel properly and I would need to call another contractor out to seal the panel.
I questioned this by phoning the company, only to be told I was not covered for
`consequential damage`.
After a very heated exchange , I questioned the point of insurance which necessitated in calling a second contractor to complete the job, and mindful of having no reassurance my bathroom would be left in a good state of repair, I refused to accept what was offered and asked the contractor to leave.
I was left shaking , upset and feeling very vulnerable.
And I missed Dhiren so much.
I wouldn`t mind but I was the one who sorted problems. Dhiren was there to share the responsibility. I was the one who dealt with correspondence and phone calls. He was always by my side.
I am absolutely fine [well most of the time] while there are no complications to deal with. As soon as something threatens my security, something which should function well doesn`t , whether it be big or small, it has a much bigger effect than it ever did before dementia.
The representative from the insurance company suggested I read the policy carefully, at the same time admitting the document was difficult to understand.
Now I have a battle on my hands but have nothing left to fight with.