insurance wont cover the cost? now what?

Treacle1983

If the insurer has had the work needing doing assesed by their own tradesmen - then they will only offer the amount it would cost them as a company to get the work done.

Eg: If your quotes are more expensive - tough luck as their tradesman can do the work for less - it's the most they will pay.

This is known as the LOL - limit of liability - the amount it would cost the insurance company to get the work done.

This applies to everything - eg:accidental damage to a laptop, a laptop may cost £1000 from the shop you want to go to - but if they can get it a lot cheaper from their own supplier - they will only offer you that amount in settlement.

PasturesNew

I'd go back to the firms that quoted me and say "Insurance company say it's only worth ... so if you can do the job for that it's yours, otherwise I can't afford to have it done. So, if your best price can match that we've got a deal"