flood advise....

sim11

having been recently flooded , we are now staying in a hotel , we have been there now for 4 weeks , my insurers halifax are now saying that they want us out of the hotel as they can no longer fund it , yet in my policy it states that in such a case we are covered for alternative accommation up to the value of £20.000 .
We have been offered alternative rented accommodation all of which have been unsuitable , and because of this halifax , now have stated that we have to leave the hotel on monday , and they would offer us 6 months rent ( a rough figure of £3600 was mentioned ) and to sort ourselves out .
If we had to come home we have no bathroom or kitchen facilities , so things would be difficult , as there are 5 of us , me , wife ,2 young children and a baby .
If anyone could offer and any advise as to where we stand with the accommodation , i.e. can they make us leave the hotel ? and if so what type of monies would be deamed as acceptable to live on for upto 6 months.

mattymoo

Could you rent a property for £600 a month in your area? I suspect you could if this is South Yorks we are talking about.
What has been wrong with the suggested alternative properties?

The policy cover may state up to £20k cover but it does not mean they will put you up at the Ritz for a month. £20k would have to cover a year or more for a full house rebuild so they are working your expenses pro-rata.

Finally, do you not fancy getting out of the hotel and into a proper house for 6 months or so. I travel a lot with work and hotel living is fine for a week or less but I would hate to do it for any longer.

mattymoo

Just had a look at the Halifax site but could not find a link to the full policy wording.

I suspect it will have a clause like the clause 11 on page 36 of this More Than home insurance policy wording.
http://www.morethan.com/process/documents/home_policy_wording.pdf

The clause effectively states they will pay "the reasonable additional costs of comparable accomodation incurred".

If you had a 3 bed semi, they will look to rent you (or give you the money to do so) a 3 bed semi. The hotel really is just an emergency stop gap.