Should I trouble my insurance if Direct Line will not help?Make Text Bigger
I have a 1 bed ground floor flat with one other flat above. The tenant called to say there was water coming through the ceiling and he contacted the owner occupier of the upstairs flat who confirmed they had a leak and had an emergency plumber on the way. I went to inspect the damage the following day and took pictures.
The owner of the upstairs flat called me with a Direct line reference number, he told them he was concerned about the damage to my flat and asked how they would go about getting it repaired.
He was surprised to be told by Direct line that he wasn’t necessarily liable for the damage to my flat but to give me the reference number anyway.
I contacted Direct line to be asked why I was holding their client liable! I supplied them with pictures and asked if I should supply quotes?
They disregarded this question and went back to their mantra of why I was holding their client responsible, whilst suggesting I seek independent legal advice.
I am insured with 118’s broker but I thought this would be straightforward and do not want to raise my premiums by making a claim.
In short I could fix the damage myself for about £200, the damage is in a cupboard so is not affecting my tenant.
Do I get my insurance involved and if I do will I need to pay my £250 excess? Do I pursue Direct line in court?
I am sure many of you have been there before and as ever I would value you safe advice.
I realise it’s only a few hundred quid and part of me is inclined to let it go…………. suck it up and move on…….but,the other part of me is inclined to contact their CEO and ask his opinion. This approach has been successful for me in the past with Currys, a new washing machine delivered and installed within 3 days.
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