Claim for ceiling on Buildings policy

HappyG1rl

I've claimed for a water escape on my insurance and have been told to buy wallpaper and then get reimbursed so I wouldn't worry. Just go ahead with the claim.

malcindebt

I would go with the advice given, he's the guy who's going to authorise the payout so there should be no problem.

I had a loss adjuster round last week for a crck in the bathroom basin, he told me the policy will only allow for the replacement of the basin and pedastal,(which I wasn't happy about as they no longer make the basin we have) we got talking and he said B&Q have some good bathroom suites for a reasonable price, and I told him about the one I want which is £289, so he asked what the excess was and said he'd authorise a cheque for £300, which also took into account the excess.

New bathroom suite on way.

courtjester

toots, you're entitled to have a contractor in to complete the redecoration - the surveyor knows that you are going to do the work yourself, so they are saving heaps on the labour charge, which is why they are being reasonable and making a greater than usual allowance for your materials.

This is being fair to both sides, so you don't need to worry about the validity or honesty of what you are doing - you are buying the extra quality in materials through your own (free) labour, so they are fine with the claim on the terms agreed.

edit: hang on - are you going DIY or having a contractor? If the latter, then my comments are not so applicable, but the point is that the surveyor has indicated what they are prepared to agree in terms of the future cost, so they clearly feel there is no issue here so again the advice is don't worry about it, just do as you're told !