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Paying for wear and tear dispute

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Heavy rain has crept through my flat roof. Why won't the company pay to repair the roof? They keep saying its wear and tear.

Your insurance covers you against a long list of disasters listed in your policy, like fires, floods and burst pipes. If the rain came through your roof because of a storm you should be able to claim. But if it leaked because the roof was wearing out (which your insurers seem to be suggesting) that's not what your insurance is for. If you are convinced that the sole cause of the of the water damage was because of an insurable event and not because of wear and tear on the roof then you may have to obtain an expert's opinion to support your view if you want to challenge the repudiation.