Excess

Gavsterchef

Hi there wise forum a bit of advice if you would.

My downstair neighbout had a fire which caused smoke damage to mine, now ive had to claim from my insurance to help get rid of the smell and dry clean clothes etc, and ive had to pay my excess.

my neighbour is a council tennant, so can i claim it back from the council?

Tygermoth

Was the fire the result of negligence of you neighbour or the council?

If no, you would be very unlikely to get anything back

Gavsterchef

Tygermoth wrote: »

Was the fire the result of negligence of you neighbour or the council?

If no, you would be very unlikely to get anything back

she left a cigarette on the bed so you could say it was negligence, how would i go about it? would i contact the council or would my insurance do it?

gregd_3

Gavsterchef wrote: »

she left a cigarette on the bed so you could say it was negligence, how would i go about it? would i contact the council or would my insurance do it?

You would have to claim off the tenants contents insurance which will provide liability cover or your neighbour directly. Your own insurance is likely to pursue a recovery for their costs so ask your own insurers if there has been an admission of liability.

Gavsterchef

yeah doubt they have that, money gone i take it?

alistair.long

Its a little tricky, what I would have done was tried to get your place looked at when the loss adjuster showed up. now what you will have to do is contact the council and tell them and then chase it. they will fob you off. the thing is that you will get your excess back at least. or tell your insurance to chase the council.

gregd_3

alistair.long wrote: »

Its a little tricky, what I would have done was tried to get your place looked at when the loss adjuster showed up. now what you will have to do is contact the council and tell them and then chase it. they will fob you off. the thing is that you will get your excess back at least. or tell your insurance to chase the council.

Its got nothing to do with the council so ignore the above, its the occupier who has been negligent so its them you have to pursue so either they pay you out of their own pocket or you would have to sue them. Depends though on what your excess is and whether you can be bothered with the hassle. It will be classed as a paid claim if your insurance co are unable to get their money back meaning it may have an effect on your insurance premium

Gavsterchef

gregd wrote: »

Its got nothing to do with the council so ignore the above, its the occupier who has been negligent so its them you have to pursue so either they pay you out of their own pocket or you would have to sue them. Depends though on what your excess is and whether you can be bothered with the hassle. It will be classed as a paid claim if your insurance co are unable to get their money back meaning it may have an effect on your insurance premium

its lost money then, its annoying that i now lose my no claims and that my premium has gone up as a result