insurance subsidence problem

wantomove

hi can anyone advise me
just had my insurance company out about some subsidence under my kitchen window. turns out they are blaming the problem on a broken drain pipe, (which they paid out for last year), they want to class the claim as subsidence repair which they say will cost less than the excess, around £750 for 4 bars in the wall and some pointing work.can anyone explain why this repair doesnt seem to fall under the original claim for the drain damage. the surveryor they sent out was very keen to pass it off as subsidence were they didnt have to pay and said it would be better to let it go through as maintenance work. if this is the case surely it would revert back to the claim for the drains.
also they want to reccomend their own workmen so i dont know if this is a good price or not, does anyone have any advice they can offer
please help

vaio

Don’t know about the in’s and out’s of the pricing but if the surveyor says it can be classed as maintenance rather than subsidence I strongly suggest you go for that and get your own builder to do it.

A subsidence claim will blight your house and cost ££££ in additional premiums/excesses.

wantomove

thank you for your quick reply much appreciated

vusys1

if the original repair they carried has failed and caused the new damage they should reopen the old claim. Have they said what caused the drain to collapse again?

wantomove

hi thanks for replying
the drains not broken now it was last year and thats when they repaired it. it cracked at the bend that joins my kitchen to the main drain. it was only a small job, they replaced the bend and i payed them the standard £100 excess, i agree with you i think they should re open the original claim as it is an ongoing result of it. the surveyor said he would write on the report that it was a result of leakage from the broken pipe. i will try to argue with them to re open the claim
thanks