How do I approach neighbours over a water leak?
3 years ago | 4 comments
Burst pipe – insurance claim pay out?
9:31 AM, 4th May 2023, 3 years ago
7
Hello, We had a burst pipe in the loft. Our tenant was away and considerable damage was done to the property.
The insurance company sent a loss adjuster but unfortunately we did not get our own assessor.
As requested by the insurance company, we have sent our bills totalling over £15,000 (for repair work and rehousing our tenants). We asked for interim payments, but they refuse to acknowledge our e-mails and phone calls.
What should we do?
Thank you,
Ashley
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Member Since November 2020 - Comments: 136
10:50 AM, 4th May 2023, About 3 years ago
It is not too late to get your own loss assessor. My insurance company basically didn’t want to know me when I had a similar issue so I found a local loss assessor to fight my corner; courtesy of Mr. Google. He did all the admin work and the fee was more than reasonable. Plus he managed to get me several months ‘loss of rent’ which the loss adjuster had initially refused.
Member Since May 2016 - Comments: 1575 - Articles: 16
10:53 AM, 4th May 2023, About 3 years ago
Complain to the Financial Ombudsman, there is a long wait time.
( Also, go on Trust Pilot )
Name and shame, everywhere, here included if its factual.
Member Since August 2015 - Comments: 226
11:00 AM, 4th May 2023, About 3 years ago
Ditch your insurer and use the NFU good cover and great service when you need it. Yes it costs a bit more than the cheapest. But less hassle when the bathroom leaks, a block of flats goes up in flames or and under floor mains pressure leak turns a flat into a swimming pool.
You really don’t the extra problems disasters cause.
Member Since January 2015 - Comments: 1447 - Articles: 1
12:04 PM, 4th May 2023, About 3 years ago
Did you get your buildings insurance direct with an insurance or through a broker?
If a broker then they should be fighting your corner.
Have you got direct contact with the insurance company’s assessor? They are often helpful
Member Since January 2023 - Comments: 5
1:37 PM, 4th May 2023, About 3 years ago
Ashley, get a Loss Assessor to help you. Your Insurer should respond to your correspondence within 14 working days. I hope you have “loss of rent” cover. If you don’t get a response, your insurer has to have a Complaints Department register a formal complaint
6:44 PM, 4th May 2023, About 3 years ago
A live water pipe or storage tank in the loft is very rare nowadays. Can the insurance company use that as a get out. A failure to reduce risk of damage?
Member Since May 2023 - Comments: 1
9:38 PM, 4th May 2023, About 3 years ago
I had this same problem when I had a leak 1 year ago. Insurance company did not respond to me.I was very distraught as I couldn’t use my kitchen and mould started to form.
I was recommended to use a Loss Assessor called Oakleafe Claims and it was the best decision I ever made. Fight fire with fire and don’t get stressed trying to sort this problem on your own.
I hope you manage to sort your problems.