Insurance nightmare

spider125

we submited a claim in March for bathroom leak which went through kitchen ceiling, assesor came and said the artext would have to be tested,ok 3 weeks later tested positive then had to remove ceiling, also removed lights. The assesor was made aware my hubby had COPD and we have our daughter and 4 month old grandaughter living with us.Despite numerous calls to Ins nothing was happening, unfortunatly one evening my husband slipped in kitchen and he fell against sink unit on the side where he has a kidney transplant.......urgent scan and now been told he will losse that kidney major surgery with his health conditions. I want to know who is liable ? I kept the insurance informed off the full situation ?the assesor on his visit did advice we might be moved out? The builders asked for asbestoss retest before they could replace ceiling due to dust and debris falling behind the wooden wall panels. This has gone on and on now and we have just had ceiling replaced and wall panels removed any help please. I am the policy holder.

dacouch

You have my sympathies for your husband

What caused your husband to slip ?

Was there builders materials etc in the kitchen?

huckster

Sometimes a personal letter to the Chief Executive or Claims Director is the way forward in these situations.

Gra76

dacouch wrote: »

What caused your husband to slip?

This is the important part. If the builders have left materials and tools all over the kitchen and that's what he slipped on then I think it's obvious where the fault lies.

Basically, what caused him to slip?

If your husband 'just slipped' then I don't see that there's anyone to blame.

spider125

My husband slipped going to turn the light on in the corner of the kitchen he didnt see water from dogs bowl we used to have 7 spotlights in kitchen now just 40 watt uplighter. The floor is tiled.

dacouch

It would probably be best sounding some no win no fee solicitors out to see if they will take the case as this indicates you have a good case.

You may find you have legal cover / advice from a union if he's a member

spider125

We have given our daughters permission to seek advice. I think i have lost my fight and am concentrating in getting work done and looking after hubby . He is in constant pain and passing a lot of blood. Cat scan monday to see the extent of damage to his kidney ? Its the thought of taking on a major company even though i know they shouldnt have left us in these conditions. We have plasterer today dont know how they will be able to work as very dark morning due to the weather !

aggypanthus

What ins company was it?
Sorry to hear of your hubbys health problems. do you have legal ins on your policy, if so call them as they will be a legal company dealing with everything inc litigation.
Why didnt they re instate 7 spotlights?

dacouch

aggypanthus wrote: »

What ins company was it?
Sorry to hear of your hubbys health problems. do you have legal ins on your policy, if so call them as they will be a legal company dealing with everything inc litigation.
Why didnt they re instate 7 spotlights?

The legal cover that's added onto Home Insurance typically excludes claiming against your Home Insurer

spider125

Cant really name company ? Oh no no no ! The company who removed ceiling said they arnt electricians ! Just here to take ceiling down. We still have non functioning kitchen . My table is in bits behind settee pans etc on stairs due to all dust. I am cleaning before we can cook and make babys bottles ! All thats on the units are kettle never been as tidy !! Find out more today from daughters see what solicitor says

aggypanthus

Of course you can name the company, if you want to, it helps other on here to know the good and the bad guys. I renewd mine this week which is why I asked. Good luck with getting it resolved.