Alternative accomodation payments

crimsonapple

Hi, I live in a rented property or did!

During the bad weather pipes burst in the loft causing awful damage to the house and my personal belongings. I wont be able to live in the house for a few months as everything has to be removed. All the rooms need to be stripped back, the kitchen has to come out all tiles need to come off in the bathroom. The sealings need to come down and such. Floors have to come up also. It's a BIG JOB!

I am staying with my sister in one small room with my son and daughter 14 and 20. Things have become difficult as my nephew has autism and adhd and is very agressive and is finding it difficult with us being there.

I've been told the insurance company will pay for alternative accomdation. I know how it works if you own you house but what if it's rented.

I need to find out if I still have to pay rent for our home.

If I don't have to pay rent for our home, do I then pay for the alternative accomodation or does the insurance company?

If I have to pay rent for our home, do I pay for the alternative accomodation also or does the insurance company?

Also, carpets, beds and other furniture had to be taken out of the house as it was stinking really bad. I took photos of everything and the council came and took all the stuff away as I could not store the damaged items for the company to see.

The landlords company wanted things out so they could get in but my company said they wont pay for them as I've thrown it away, then they said they would. I don't know where I stand on that score.

Any advice would be appreciated.

Thank you.

dogbot

You do get alternative accomodation cover with contents policies. Check you policy to see the limit and then submit a claim. The Insurer will run though everything with you. You will probably have to keep paying rent but the insurer will pay alternative accomodation up to the policy limit.

You contents insurer's will have wanted to see the items you are claiming for as you need to prove your claim - throwing out the evidence not a good idea, but if you have photos as evidence etc - and idealy some paperwork from council proving disposal - this should help there. Talk to the loss adjuster/claim handler.