Can he claim again???

callyh26

Basically what's happened is my partner owns a house with his ex. The roof was leaking and the guttering needed replacing. He rang and told his ex and they agreed to put the claim threw the insurance! She organised the roofer (was someone she knew) and a figure of around £800 was given. Insurance gave the go ahead and the builder turned up etc and far as my fella knew the work complete. 6 weeks down the line the roof started leaking again and worse than before! The cieling in the bedroom has now fallen down due to the water, the rooms need re plastering and its damaged furniture beds etc! I told my fella to ring the builder and ask exactly what he had paid for to be told a new guttering and to slide a few tiles back! Now the ex says she told him it was leaking but he's saying she didn't. So in short £800 has been paid by insurance for new Guttering!! We've been told this is a ridiculous amount for what he's actually done! When my fella spoke to this guy he said he'd come back on Tuesday and have a look! But if in his quote all he was doing was what he says where do they stand! Can they claim again for the problems now? I think it went down on claim as storm damage! We have had a quote from someone else for £4000 for the re-roof although £2000 of this would be covered if he weighed the tiles in! But on top of that the bedroom ceilings need putting back up, the rooms plastering as where this guttering was leaking its left damp patches and all the plaster has come off in bedroom and kitchen and also beds, and furniture that are now unusable due to water damage and this ceiling coming down covering them in crap! The bedroom next to the one that has fallen in is also leaking and when the ceiling was poked it went straight threw! So its dangerous and probably due to fall in at any time! The ex doesn't contribute towards house and my partner certainly doesn't have the cash to do it so the only option is to claim on insurance again! But this time i think my fella should be the one speaking to them and organising someone proper to do and the work ! As her stupidity has now completely wasted a claim !! Does anyone know if he can claim again having only claim 2 months ago??

McKneff

Ring your insurance company and explain what has happened, they will have accepted a quote from this builder and the quote will have listed what the builder was supposed to do. If it hasnt been done properly and as specified I can see them suing the builder to be honest.

callyh26

Ok but what if he did just quote for guttering and "sliding a few tiles back into place" ? Can my partner claim again for the work that needs doing now?

VictorM_2

Faulty workmanship would most likely not be covered as it is excluded on most policies.

You may be able to put a legal expenses claim in against the roofer.

callyh26

Ok but if he did just quote for that and the ex hadn't said was leaking etc like he says can another claim be put in as then its a different issue!?

McKneff

No idea, too many ifs, the only people who can tell you this is your insurance company, sorry

callyh26

Ok Thanks Anyway

l0u1se

If you have accidental damage cover on the buildings section you should be covered for the ceilings, unless it excludes damage from water ingress.
Likewise with the beds etc under the contents.

The insurance will only pay for storm damage related parts externally, anything that is wear & tear or faulty workmanship won't be covered.

l0u1se

Also in addition, if there were storm rains (heavy rainfall) at the time of the ceiling damage then you would be covered for storm internally without accidental damage cover.

VictorM_2

l0u1se wrote: »

Also in addition, if there were storm rains (heavy rainfall) at the time of the ceiling damage then you would be covered for storm internally without accidental damage cover.

This is often not the case as many policies exclude ingress of water under the AD section - but it would depend on policy wording.

callyh26

Ok will ring insurance tomorrow