how can i claim for new sofas?

Posted under sofas

i purchased insurance to cover accidental damage, my cousin burnt the sofa with hair straightners but the insurance company wouldnt pay coz its neglect. what excuse can i use to claim new sofas?

Well, you aren't going to be able to find a "new excuse" for a claim. This incident is already carved in stone in your file, and if you come up with a new "excuse," you are going to be red-flagged as trying insurance fraud — which could cancel your policy or increase your rates. Insurance companies can be real ba$tards.

Bear in mind insurance companies don't want to hand out claim money, so it is likely you got an auto-reject. Stand firm that your cousin ACCIDENTALLY burned the sofa with chemicals — she ocould not control the drip, she didn't realize it, etc. — but she did not NEGLECTFULLY do it. Nor did you not neglectfully do it. Neglect implies doing something on purpose, or having knowledge sufficient to realize it was neglect. Does your cousin live with you and does she part of the insurance claim? If she was just visiting, then it was not your neglect, and you consider it an accident. Get a statement from your cousin. You may have to push the issue a few times. However, whatever you do, do not try and clam another reason — or excuse — to get new sofas, or that will be really, really bad news, and any claim for your sofas will be labeled an insurance scam.

If it comes down to the insurance company not giving in, and not worth an attorney, get some nice slip covers and start shopping for a new insurance company.