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house fire
New to the forum and looking for some guidance: We lost 75% of our house in house fire last year. As it is attached to the neighbouring property where the fire happened, my insurance is accepting liability. The house can only be rebuild if next door is ( complex building) However the neighbouring property is unlikely to be…
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Loss Adjuster wants to relocate my friend
Hi guys Just like to pick your brains on something, A friend of mine is in some distress at the moment. Basically her apartment had a water leak and flooded due to some issue with the pipes that apparently is affecting the rest of the building so she had to move into alternative accommodation temporality which the…
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Building claim cash settlement
I am negotiating a cash settlement after extensive ground water flooding. A Quantity Surveyor has drawn up a costed schedule of works which includes contractors preliminary costs. The loss adjuster says the insurer won’t pay this and has removed it from the cash settlement figure, reducing it considerably. Is this correct?…
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National Highways - Rejecting Liability
At the end of November 2024, a large tree fell within National Highways land, which is behind my property, causing damage to my property. I submitted a ‘red claim’ which is the process when claiming against the national highways. Yesterday i received a letter saying that they accept the tree is within their grounds of…
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Next doors trampoline was not secured down, damaged my car, please advise?
So the last storm a week before Christmas we were all told we should be expecting a storm. It came my next doors neighbours trampoline flew over into the street and straddled my car for a while before I seen it. Damage to a few panels had a quote etc, said her insurance said it was an act of god! even though the trampoline…
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Road flooding causing damage to business - what are my rights?
Can I put cones on the road outside my business when the road floods? Cars are driving through the floods sending water over the pavement and under the door into my business premises. The council have admitted the repair lies with them but have no budget for at least 6 months to repair.
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Battery backup for power cuts
After the recent storm and power cuts, I'm thinking about future-proofing us.We already have a gas cooker so that's good.We've bought some small LED lights that are amazing and some candles as backups.We managed to watch some downloaded shows and movies on my laptop and tablet but found that after a couple of days the…
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Soffit lifted in storm
My soffit has lifted in places during the storm on Saturday. Is this something that my home insurance should cover?
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Next door neighbour tree fall into my garden
Hi not sure this is the right forum... After this last past storm a big tree from my neighbour fall into my garden which lucky enough has not killed anyone. The issue now is the removal of the tree. Neighbour says it is my responsibility because the tree is in my garden and I should claim through my insurance. It looks a…
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Help appreciated
Hi we are experiencing damage caused by a neighbours property that is rented out. We have legal expenses cover attached to our home insurance. This leak has been present for over eight months the insurance company says as the op are engaging with them they won't pursue the case through the courts. Has anyone been in a…
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Soakaway full, guttering overflow, water drip inside
My rainwater goes into a soakaway at the back but into a normal deep chamber in the front shared courtyard but rainwater for neighbours goes into a separate soakaway. The front flooded last week but this cleared. Tonight it has flooded again. At the back at the same time I have been woken up by a drip to find the corner of…
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Blocked drain in garage
Hi, I have a drain in my concrete floor garage of a 1940s house that has started overflowing in heavy rains. It's next to a manhole cover and from what I can see both rainwater and toilet/bath water go into the pipe that leads to this drain. My question is, is this something that I should be getting someone to clear…
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Soak away shared with neighbouring council house
We live in a semi detached house and the neighbouring house is owned by the council. I asked them in June to fix the blocked guttering which was coming over the top when it rained. Finally they did last week and they said that the drainpipe is blocked due to the soak away being blocked. A drainage guy came this morning Nd…
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Home/contents Claim following a fire - heads up for flood victims too.
We are undergoing a house/contents claim following a fire.
The clean-up /debris removal charge has been deducted from our contents final
settlement offer. The charge is in the region of 15k. There is no mention of clean up/disposal charges in the
policy docs, so the amount came as quite a shock. Is this normal? Why isn’t…
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Am I responsible for water pipes going under next door's house from my meter to my water supply?
My water meter is situated to the left of the house next door, and the supply goes under their house to mine. I know I'm responsible for pipes from the meter within my boundary, but would I have to pay for excavations under next door's house if the pipe from the meter bursts before it gets to my house? Thanks in advance.
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Public Loss Adjuster or Assessor - Can anyone share their experience of using them?
I've a situation for my insurers and in the process of educating myself (e-books for insurance claims but all USA based), found out about the possibility of using loss adjusters who work for the client, and not the insurance company for a fee. Mine is a water ingress, damp issue which I've been told insurers like to blame…
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Condensation and water in the subfloor void
We had a musty smell coming from the front room. I lifted the floorboards to find condensation all through the subfloor of this room. Even on the plastic damp course protecting the wood. The void continues on to the living room which was condensation free. I dryed the underfloor which got rid of the condensation, the only…
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Flooded kitchen and bedroom due to upstairs neighbours faulty piping
Any advice gratefully received.. Upstairs neighbour, who’s caused significant damage to my home, has offered to repair and replace, rather than go through his insurance! My worry is, how can I ensure he does pay like for like and hotel bills etc (bedroom ruined)
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Shared water pipes
I live I an end terraced Victorian cottage and found a flood in the basement from a leak in a galvanised pipe before my internal stopcock. I had to turn off the water at the main in the road- imagine my horror when this affected 12 other properties. SW water were no help in helping me to sort. Eventually managed to find a…
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New Kitchen stored in Relatives Garage which got flooded!
Help. We had a new kitchen delivered into a relatives garage to store for a few weeks. Their whole house including garage got flooded during storm Ciaran. Their house insurance doesn't cover it as it wasn't for their house, and it looks like ours won't cover it either. Any suggestions of how/if we can claim. There's a few…
