Re: Numerous issues with insurance claim - any advice?
- From: Alex Heney <me8@xxxxxxxxxxx>
- Date: Tue, 13 Jun 2006 23:10:45 +0100
On Tue, 13 Jun 2006 18:14:02 +0100, "Dave (from the UK)"
<see-my-signature@xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx> wrote:
<snip>
So overall it seems due to no fault if my own, I
1) Loose £1000 policy excess.
That is always the case when you claim on your own insurance. That is
what an excess means, although £1000seems high. I hope you got a cheap
premium with that high an excess.
If the problem had been caused by somebody else's negligence (i.e.
they knew or should have known their trees were causing damage and did
nothing), then you should have claimed against them, and their
insurance would have paid up, and *they* would have been out of pocket
by the amount of their excess.
2) Suffer lots of unnecessary inconvenience due to delays by builders.
That is builders for you :-(
3) Will have to live with some visible repair marks, which could be made
invisible if more money had been spent and the who house rendered.
I don't think you would get many insurance firms paying out to have
the whole house rendered. If they did, then you would have been
expected to make a (large) contribution for "betterment".
4) Now have a bathroom suite that does not match, despite it all
matching to start with.
I don't understand why the shower base had to be replaced, just
because the tiles were cracked.
5) *Possibly* have damaged PVC windows.
If the paint is on the glass, it can easily be removed using the type
of razor blade scrapers sold for cleaning ceramic cooker hobs.
If it is on the frames, then you will need a paint remover that
doesn't attack the PVCu.
The builders suggesting that it can be removed with water is just
total rubbish.
The paint may well have been water based, but once dried, it cannot be
removed by water - otherwise it would all come off the first time it
rained.
It could have been removed with water if this had been done before it
dried.
I'd like the insurers to at least pay for the bathroom units to be
replaced so they all match, which might be reasonable compensation for
the other hassles I have had.
Again, if they replace undamaged units with new, you would be expected
to make a contribution for betterment.
If the windows are damaged and the paint can't be moved, I'd like
something for that too.
For that, you will have to claim against the builders who damaged the
windows.
The engineers were quite right to say the windows should go in before
other work, because otherwise the repairs, and particularly the
paintwork, would probably be damaged by the fitting of the windows.
It was the builders/painters who caused the problem there, by not
protecting them.
--
Alex Heney, Global Villager
Find your aim in life, before you run out of ammunition
To reply by email, my address is alexATheneyDOTplusDOTcom
.
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- Numerous issues with insurance claim - any advice?
- From: Dave (from the UK)
- Numerous issues with insurance claim - any advice?
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