its my shed i built it from scratch

is it your shed or the councils

im insured with the local council .but its a norich union policy.ive just looked through my booklet and could not find a section on rebuild but idid find a section on insurance for contents in the open within the bounderies of the home could this be used as seperate claim for the shed ? because the schedule says contents of out buildings so does this mean that only the stuff in the shed is insured not the shed itself ? it does say on the buildings /home section sheds so do i make the claim for the three sections i.e home for the repair of the shed ...........contents of out buildings........ for the replacement of damaged pproperty i.e .... fishing tackle & camping equipment.....or the contentsin the open for the repair of the shed mind you the later is for less so cancel the contents in open idea .so basicly what im asking is do i make seperate claims under differant sections relating to the same incident ? my neighbour does not have insurance . and i probably would win a civil case because witnesses say the said neigbour was throughing airasols on the fire even the fire brigade said that the fire originated from the said property .

As a general rule, if the fire had been in your home and you were under insured as per your example then most Insurers would deduct the percentage you were under insured by from the amount you receive. However under a sub section such as contents of outbuildings they often just pay you the amount you are covered for eg in your case the £2000.

There are some of the better Insurers that if you present it to them in the correct way will allow you to add your personal possession cover (If you have it) on top of the £2000. For instance if you have cover for bikes, they may pay these on top of the £2000, if you have blanket cover of say £2000 for unspecified personal belongings away from the home they sometimes allow you to add this say £2000 on top and if say you had your fishing tackle specified on the policy they may allow you to add it on.

The above normallt takes an experienced brain to convince them, do you arrange your cover through a broker by any chance. If you do they should be able to try this for you (It does not work with all companies).

If your neighboor had home insurance you might be able to sue them and their Home Insurance pay out under the Liability Section if you could prove they were negligent in the way they lit the fire eg the damage to your shed could have reasonably been avoided. If they don't you could always try sueing them for any shortfall between what your Insurer pays and what you receive. There is no gurantee this would work as you may not win and even if you did they may have no money to pay you back so if you were thinking of this take good legal advice.

Incidently your home policy will normally have an amount of cover to rebuild / replace the shed and then a seperate section under the contents section for "Contents of outbuildings"

Which Insurer and / or broker are you with?

a few days ago a neighbour had a bonfire which spread to my shed causing a lot of damage.it was full of fishing tackle ,camping equipment and some tools firstly does this come under out buildings? secondly mypolicy says that out buildings are covered to the value of £2000 my property in the shed comes to more than this amount ,some is flame damage some smoke, some heat,and some water damage.i dont think my neighbour is insured ,so according to my policy im under insured .so if i make a claim for argument sake £3000 are my insurers likely to say you are under insured buy 50% and then deduct 50% os my claim leaving me with a total less than my maximium or will they try to reduce it to my maximuim if you see what i mean