-
Mine are on shelves secured to the wall!
I was going through the process of annual insurance decisions over lockdown and found that some policies had clauses that would leave you without cover if you didn't carry out certain works during an initial period. i.e. If you didn't have an alarm system fitted within a month. Scary to think that a lot of people won't read those details leaving them with no insurance should the need to claim come up.
Airhead-
A friend of mine has an excellent built-in set of shelves. I'll send you some pictures in a DM as not sure they necessarily are happy with them being posted online.
I came to the agreement with Barclays that I would exchange some existing out-of-home bike cover (theft) for additional contents insurance, which was probably on the low side anyway, and got into a discussion on records specifically, which they don't have a category for.
What came to mind as a scenario when discussing with them was 'what happens if I discover that a curtain is left open for whatever reason and a number of records are warped and destroyed' - which they will not cover as it would be considered gradual wear and tear. I suppose you could argue that accidental coverage could apply - the curtain being left open by accident - but I wouldn't fancy the chances of arguing that with a loss adjuster - or arguing anything for that matter.
They did acknowledge that I have catalogued them and could use that in the event of a claim, so that felt somewhat reassuring.
J0nathan
Not much progress to report. I had planned to call Barclays after I sorted out something separate with Legal & General which involved 45minutes on the phone without resolution and being posted a password that is going to take five days to arrive... for something they are chasing me on, despite me confirming it all with them on the phone two weeks ago.
I couldn’t face any more of the same so will do it on Tuesday.
Sounds similar. I was also a bit worried the floor might collapse while some building work was done.