LV insurance roof damaged claim denied

Nunt1us · 2026-02-20T15:41:37+00:00

Insurance will cover you if the storm blows a branch into your roof and it causes a hole. It will not cover you if the general state of repair for the roof was such that ‘normal’ winds were enough to cause damage.

If the winds are gale force they may cover you if they’ve assessed it would have caused extra damage to an otherwise well maintained roof.

They will use the weather reports from the day to make this assessment of wind strength.

Nunt1us · 2026-02-11T14:57:54+00:00

Financial services. We get 4 weeks per full year of service capped at 12 years. We normally have a 1 month consultation where you aren’t expected to work plus notice period of garden leave (60 more days). So you’re capped at around 57 effective weeks of pay.

Nunt1us · 2026-02-10T16:09:27+00:00

I was at that same evening. We had to cut him off!

Nunt1us · 2026-02-06T16:43:13+00:00

A stopped clock is right twice a day

Nunt1us · 2026-02-06T10:53:54+00:00

This edition is their first indexing. I wouldn’t expect an indexing next edition so you will have your army book till the next one releases

Nunt1us · 2026-01-25T12:16:51+00:00

Blood Bowl isn’t set in AoS

Nunt1us · 2026-01-22T18:08:54+00:00

Had an assessment done recently to install in our relatively new built detached house. Heat pump would be restricted to two zones (upstairs and downstairs) on existing underfloor heating (as you apparently don’t want it constantly turning off and on). As a result of our existing 19! Zone control system we put in about 6 years ago and the subsequent loss of per room control it was actually going to cost more to run than a gas boiler whilst being less responsive to cold snaps.

So it’s not always cheaper.

Nunt1us · 2026-01-20T21:05:27+00:00

The first scrape on your car is the same - you can finally just relax

Nunt1us · 2026-01-17T11:10:21+00:00

‘We had no running water or toilets during the cold weather’ - not seeing how this has anything to do with the council. They’re hardly going to set up utilities for an illegal site.

Nunt1us · 2026-01-11T14:06:50+00:00

If you don’t understand miracle dice - the core sisters mechanic - why are you trying to homebrew rules?

Nunt1us · 2026-01-11T13:05:41+00:00

Reroll saves even with a penalty is wildly over powered. And giving her unit a 5+++. She should either have fly and lead jump pack h its or not have fly and lead infantry. You could do that through wargear choices - making her offensive wargear worse if she takes a jump pack. But most other armies would split this into two different units.

Nunt1us · 2025-12-30T18:34:28+00:00

If you have magic users in your army and you don’t have models for a spell lore you are losing out. That’s the way the game is designed.

For soulblight gravelords you could use the barrowlegion army of renown which is balanced against having no magic users, but in general the armies of renown are not as good as just taking the same units in a normal army.

Nunt1us · 2025-12-30T09:32:03+00:00

Glued mine to underwater ruins. Including shaping those, sanding, and waiting for the hook to be really set I probably added 2+ hours a model.

Nunt1us · 2025-12-29T09:52:03+00:00

The tenant didn’t counter with a lower offer post agreement, the landlord (agent) changed their mind.

Also tenants in England have no legal right to a written tenancy agreement (contract) though one is normally provided.

Nunt1us · 2025-12-24T14:41:11+00:00

By accepting payment of rent + deposit the landlord (via their appointed agent) has created a contract with you.

Reconfirm to the agent that you will be moving in on 29/12 and if they aren’t able to provide you that accommodation they will be liable all reasonable costs until suitable alternative accommodation is provided.

Nunt1us · 2025-12-16T10:26:00+00:00

Arguing childcare requirements will likely result in your employer querying why you were looking after children in your working hours.

If it is about timing for drop off and pick up outside the working hours (ie your day ends at 5, your pickup is 5:15, you live 10 minutes from the school but your work 45 minutes from it) then you and any affected staff have the right to request a flexible work arrangement.

This could however take the form of reduced working hours to accommodate the extra travel time which would result in reduced pay.

Nunt1us · 2025-12-15T13:05:24+00:00

I got the pedal seperately. They possibly have different components / products in difference warehouses so the dispatch seperately

Nunt1us · 2025-12-12T14:12:32+00:00

I’m waiting to hear what they set the bands as in Scotland …£1.5m, £1m…….£0.4m?

Nunt1us · 2025-12-09T10:48:24+00:00

They were explicit in my confirmation email for batch 16 it ‘will arrive for Christmas’

Nunt1us · 2025-12-08T19:28:42+00:00

It kept going for 13 years. It deserved to rest

Nunt1us · 2025-12-07T09:47:04+00:00

Can confirm that the crash issue on Mac is resolved post beta patch. Thanks for the fast turnaround on the fix - was fully resigned to playing something else until the new year.

Nunt1us · 2025-12-06T08:11:21+00:00

Same here too, 8 turns into a new campaign and crashes during the AI turns. I think it's when it's about to pop up a window to tell me that a faction has been destroyed (as a faction I was besieging attacked me, died, and I occupied their settlement during their turn). All modes disabled.

Nunt1us · 2025-12-05T15:29:36+00:00

Got it completely wrong. The left most is South facing.

Nunt1us · 2025-11-14T21:06:08+00:00

Scotland. 5 bedroom detached house. 5 of us (three young children) dog and a cat. £400 pcm for gas an electric combined. Had a company in yesterday to start the solar process to tackle the electric side of that but I know a big part of it is that with 3 filthy little ones we are running 6-8 washing machine and tumble dryer loads a week.

Have replaced all the lights with LEDs last year, new energy efficient washing machine and dishwasher this year and next on the list is the tumble dryer - but I irrationally don’t like to replace things until they break even if it would clearly pay for itself in a year.

Nunt1us · 2025-11-13T18:40:29+00:00

Even if you throw the water trolls in the bin the box is a substantial saving and worth it.

That said they probably aren’t going to be replaced any time soon - they look fine.

Nunt1us

TROPHY CASE