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Building insurance claim- WATER DAMAGE!
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whufc77
Posts: 2 Newbie
Hi Guys
I really do need some help with the situation that I’m in. About 3 weeks ago the upstairs maisonette had a leak from their boiler on their 1st floor (upper of two stories). The couple that occupy are renting through a local estate agent, but as luck would have it we have the number of the owner of the property we have known each other since kids.
The water travelled all the way down to our 1st floor bathroom, then settling on the ground level soaking the boxed in water mains pipe from ground level to first floor. (Now this is not the first time that this has happened). That’s another story!
The damage in the bathroom was considerable, the front bedroom damage is visibly slight, (see notes), the downstairs w/c catastrophic and the hallway moderate.
I have come to a sticky point with the insurers that my bathroom suite (w/c, bath, sink) are all designed to a shell effect including the accessories that are cemented to the existing tiles.
The accessories are consistent with this shell design i.e. (loo-roll holder, large towel, small towel holder, shower tray shelf, sink soap dish, tooth brush holder are all cemented to the tiles. ok still with me!
The building insurance company that insure property along with every other dwelling in our court, and on the estate can’t find matching floor or wall tiles so have asked us to source alternative tiles (which means that a completely new tiled bathroom will take place (re-plaster etc. etc.).
But as i have pointed out the accessories that match the suite will have to be smashed of the existing wall tiles that are going to be removed.
I have also been notified that the bathroom will take 7-10 days to complete so they have mentioned alternative accommodation (for me to source a local hotel etc.!)
So i need some advice on the fact that i cannot find matching accessories for the existing bath toilet or sink (shell effect).
My only options as i see it is for me to pay for a new bathroom suite with matching accessories. My building insurance company say they will not replace the existing suite because it was not damaged in the incident! Or is this so?
Talk about come at the wrong time in our lives, i don’t drive due to my medical condition and my wife is 7/8 months pregnant but drives. So getting out and about trying to source materials is proving near on difficult, but we know it’s a necessity because of baby on the way.
I really will appreciate any feedback on my situation no matter how small or large, as they say ‘every little helps’!
Kind Regards
Whufc77
I say visibly. This situation happened again 18 months ago but we just bit the bullet and put a few cosmetic bits right.
It was when we decided to decorate the front bedroom a whole wall had plaster coming off in chunks; the plaster had blown, so we had to brunt the costs of a plasterer!
I really do need some help with the situation that I’m in. About 3 weeks ago the upstairs maisonette had a leak from their boiler on their 1st floor (upper of two stories). The couple that occupy are renting through a local estate agent, but as luck would have it we have the number of the owner of the property we have known each other since kids.
The water travelled all the way down to our 1st floor bathroom, then settling on the ground level soaking the boxed in water mains pipe from ground level to first floor. (Now this is not the first time that this has happened). That’s another story!
The damage in the bathroom was considerable, the front bedroom damage is visibly slight, (see notes), the downstairs w/c catastrophic and the hallway moderate.
I have come to a sticky point with the insurers that my bathroom suite (w/c, bath, sink) are all designed to a shell effect including the accessories that are cemented to the existing tiles.
The accessories are consistent with this shell design i.e. (loo-roll holder, large towel, small towel holder, shower tray shelf, sink soap dish, tooth brush holder are all cemented to the tiles. ok still with me!
The building insurance company that insure property along with every other dwelling in our court, and on the estate can’t find matching floor or wall tiles so have asked us to source alternative tiles (which means that a completely new tiled bathroom will take place (re-plaster etc. etc.).
But as i have pointed out the accessories that match the suite will have to be smashed of the existing wall tiles that are going to be removed.
I have also been notified that the bathroom will take 7-10 days to complete so they have mentioned alternative accommodation (for me to source a local hotel etc.!)
So i need some advice on the fact that i cannot find matching accessories for the existing bath toilet or sink (shell effect).
My only options as i see it is for me to pay for a new bathroom suite with matching accessories. My building insurance company say they will not replace the existing suite because it was not damaged in the incident! Or is this so?
Talk about come at the wrong time in our lives, i don’t drive due to my medical condition and my wife is 7/8 months pregnant but drives. So getting out and about trying to source materials is proving near on difficult, but we know it’s a necessity because of baby on the way.
I really will appreciate any feedback on my situation no matter how small or large, as they say ‘every little helps’!
Kind Regards
Whufc77
I say visibly. This situation happened again 18 months ago but we just bit the bullet and put a few cosmetic bits right.
It was when we decided to decorate the front bedroom a whole wall had plaster coming off in chunks; the plaster had blown, so we had to brunt the costs of a plasterer!
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Comments
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very interesting read
thanks Dacouch:beer:0 -
If your looking around at the prices for bathroom equipment etc etc it can often speed things up if you email the prices / website details through as the LA can then instantly check it and forward on to the Insurer via email0
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