3 Mar 2012 Ember JD Insurance Brokers, SDH

Laminate flooring

On occasions confusion can arise when insured damage occurs to laminate flooring. Especially when the owner has separate Home Buildings and Contents policies with different insurers.

Although there is no Association of British Insurers (ABI) agreement on whether laminate flooring is covered under Buildings or Contents, a meeting in July 2003 of the Property Claims Forum, an insurance industry group, concluded that it should be insured under a Home Buildings policy. This decision is not set in stone, so very much a matter for individual insurers to decide. Insurers may take into account whether the laminate tongue and groove is glued, binding the flooring and making it more permanent. If so the outcome is more likely to be a matter for the Buildings insurers. No glue then the outcome might be a little less clear.