who best to provide estimate for insurance claim

charlamine

Hi

Our property's garden is raised a good 30ft above the houses garden below us and between our garden and the garden below there is a 15ft bank which is no mans land (owned by council).

During the Winter Storms a tree on this no man land which was behind our shed went pulling the foundations away from the shed,part of the shed and creating a landslide on the 15ft bank. So now the shed is tittering on the edge.

I have spoken with builder insurance who have said that the removal, repair and replacement will be covered and to instruct someone to provide an estimate

I am however a bit stumped at who best to instruct to provide the quote, given the added complication of the landslide which might need supporting in some way as the shed probably cannot be put back in the exact location, will have to be put forward and the land somehow supported so it doesn't keep eroding away- would a landscaper be a good bet or would a general fencer or builder be better?

Thanks

C

vaio

Sounds like it might get complicated, think seriously about getting your insurer to use their own contractor

*Scarlett

You should probably inform your B &C insurer of this incident

Bear in mind that most policies have £1k xs for subsidence, groundheave or landslip.

Whether or not you make a claim this type of incident will need to be declared either at renewal or as a new customer.

charlamine

The insurance company have said that they are getting all customers to hire there own contractors at the moment for things like this,

I have fully informed them of everything including the landslide issue and have completed a claim form other the phone, they have confirmed what my excess will be which is the standard policy excess.

This will not effect the structure of my house as the shed is at the end of the 48ft garden which is level and flat apart from the end of the garden which backs onto the no mans land which is a slope. So not sure if subsidence and heave would apply?

hugoshavez

charlamine wrote: »

Hi

Our property's garden is raised a good 30ft above the houses garden below us and between our garden and the garden below there is a 15ft bank which is no mans land (owned by council).

During the Winter Storms a tree on this no man land which was behind our shed went pulling the foundations away from the shed,part of the shed and creating a landslide on the 15ft bank. So now the shed is tittering on the edge.

I have spoken with builder insurance who have said that the removal, repair and replacement will be covered and to instruct someone to provide an estimate

I am however a bit stumped at who best to instruct to provide the quote, given the added complication of the landslide which might need supporting in some way as the shed probably cannot be put back in the exact location, will have to be put forward and the land somehow supported so it doesn't keep eroding away- would a landscaper be a good bet or would a general fencer or builder be better?

Thanks

C

Vaio's right, complicated. When you say removal do you mean of the tree? Because I'd be onto the council for this, and looking to get them to do the shoring up to start with. You never know, they might even sort out the founds for your shed.

charlamine

Removal of the shed, as it is still standing albeit very crooked with now barley any earth underneath it!

The tree fell into the garden below us along with the foundations of our shed, they have been onto the council already who apparently went very helpful. The residents along the row below us have been onto the council several times in the past about the bank as it is covered in ivy which is apparently cracking the wall at the back of their gardens which is supporting the bank!

I will get onto them today as well,

I had a feeling it might be complicated typical really considering we were hoping to get our house on the market in April. Looks like that won't be happening!

rs65

charlamine wrote: »

I am however a bit stumped at who best to instruct to provide the quote, given the added complication of the landslide which might need supporting in some way

I think you need the council to stabilise their land before anything else happens.