In Cumbria, hurricanes are an unlikely occurrence. Flooding is a more likely disaster, and further disasters could ensue when antique owners rely on home insurance to cover valuable heirlooms like a Victorian mahogany partners desk – if recent events in America are anything to go by.
No one in Cumbria can fail to have been moved by the plight of victims of Hurricane Sandy. One of the largest hurricanes ever recorded, it devastated parts of the Caribbean as well as the mid-Atlantic and north-eastern states of America, where it caused an estimated $50bn of damage.
Many people in Cumbria and Lancashire will think antique oak partners desks are an unimportant consideration at a time like this. After all, 114 people were confirmed dead or missing in the US alone, and many more lost their homes or businesses. However, for those who did have homes to return to, there was a further shock – the realisation that their treasured antiques were not covered by their household insurance. While some articles such as porcelain and silverware could be easily restored, others – an upholstered antique balloon backed dining chair , for example – could be a total loss unless costly specialist treatment was quickly sought.
While nothing can replace a treasured family heirloom, it helps to know that there are specialist policies available that are sympathetic to unique irreplaceable items. Remember: flooding due to downpours is not an uncommon event in Cumbria. Whether an antique desk is bought from an antique dealer or inherited from a relative, specialist insurance will ensure its full value is realised – either for repair or replacement.
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