insurance only covers half a kitchen

zebedeum

Has anyone had this problem? I had a water leak, the insurance agreed to replace kitchen base units, but not my existing wall units. They no longer exist to buy to match up. Similar problem with wall tiles. What do I do? They seem to think I should put all the existing kitchen doors back on but some are damaged. Should I agree to live in a mismatched kitchen? Thanks.

headoutthesand

Yipn it happens all the time. They'll only replace the damaged ones.

Why don't you replace the doors on the wall units to match the new ones?

huckster

Check with the FOS on this, as they have some guidance on this issue.

To get you started. http://www.financial-ombudsman.org.uk/publications/ombudsman-news/10/oct-houshold-disasters.htm

Scroll down the fos page linked re matching sets and search the FOS site for more info.

Once you have the info you need, speak to your Insurers about the settlement breakdown and how this meets the FOS guidance.

Nb. They won't pay for a whole new kitchen, when only part had been damaged.