Halifax subsidence claim - where do I stand?

Windsorcastle

post deleted

Quentin

Windsorcastle wrote: »

....Can I query the surveyor's findings?!......

Yes.

Contact the surveyor/adjuster and discuss this as a matter of urgency.

You may think it worthwhile discussing this with an assessor if you get nowhere.

And postpone the Thursday meeting with the builder if this is not resolved to your satisfaction.

Windsorcastle

Thankyou Quentin. I have already emailed the surveyor, but I didn't have much faith in him to start with, as he was really slow in arranging the appointment in the first place and generally gave me the feeling he was a bit clueless. I will also phone the Halifax team answering my claim tomorrow to say that I am querying this. Anything else I should do?

Quentin

If you aren't getting anywhere, then you can consider using your own assessor to take them on.

dacouch

How come Halifax are charging you an excess of £1100 as £1000 is the norm for subsidence

Just_Some_Guy

dacouch wrote: »

How come Halifax are charging you an excess of £1100 as £1000 is the norm for subsidence

Home policy excesses tend to be chained together these days, so a £1000 subsidence excess + £100 "normal" excess = £1100 total excess. Only seen it biting for subsidence and burst pipes.

dacouch

Just_Some_Guy wrote: »

Home policy excesses tend to be chained together these days, so a £1000 subsidence excess + £100 "normal" excess = £1100 total excess. Only seen it biting for subsidence and burst pipes.

That's odd as most mortgage providers will only accept a maximum excess for subsidence claims of £1000.

Ironically (According to the CML) Halifax being one of them.

Quentin

The idea behind using your own assessor is that although it will cost you, the benefit they get for you should outweigh the cost involved.

(You can discuss costs with them before deciding.)