Nightmare with flood damage claim

globalds

Macca I can't believe your attitude .
Swallow your pride and help others that are helping you .
All your talking about is christmas decorations .all they wanted was for you to give a reasonable figure for their value.
Those guys couldn't be busier and your moanin about a lack of service that quite frankly is your job ..You don't know the value of the goods you own and have not kept receipts ....

vikingaero

Macca,

Can I just ask you a question about your premium? £760 is big money for home & contents insurance unless your premium is loaded for flood risk or for claims history. Do you insure through your mortgage company?

I insure several properties online for my relatives and the highest premium was £450 for a 6 bed house!

meme_3

vikingaero wrote: »

Macca,

Can I just ask you a question about your premium? £760 is big money for home & contents insurance unless your premium is loaded for flood risk or for claims history. Do you insure through your mortgage company?

I insure several properties online for my relatives and the highest premium was £450 for a 6 bed house!

Same question.
This is our second claim in 5years - only paying £270 per year - buildings and contents.

Have claimed for new floor and replacement of items damaged because immersed in water - these are mainly electrical. Furniture etc OK (except a couple of older items).

justmarried06

For my tuppence worth - be grateful its a couple of boxes of christmas decorations and not all your possessions from the ground floor of your house as well as precious and irreplaceable photographs and sentimental items.

The insurance company and loss adjuster have been reasonable - the clearance company have cleared the items out of the cellar as they are required to, and you are required to go through the stuff in order to calculate what you feel the claim should be.

JM

macca

did I not say in the first post that I truly was sorry for anybody with a whole house damage? Yes I did.
My flood was 6 weeks back now about the time that Hull got hit and 2 places in Nottingham got hit, not the most recent floods to put it in the correct light.

A few Christmas decorations as you put it also included a few Christmas decorations from my late mother and before you start on me again yes I know they shouldn't have been down there.
Leaving aside how much was in the cellar all I ask for from a claim is to be kept informed and for people to give me decent customer service, I don't expect to have my driveway covered in sodden items for a week, I don't expect the clearance people to tell me their list they've written and the loss adjuster tell me it isn't. I haven't got a problem in valuing the stuff I just wished somebody had told me before the clearance people had come and we could have done it together - you know opening sticking sodden boxes - which perhaps they were a little better equipped for than we were.

£760 is a big premium - I have to go through a specialist broker as the house has more than the standard number of rooms in it. I will obviously be changing companies on renewal.

The clearance company confirmed today that they thought the loss adjuster's attitude was awful as well.

I'll know better next time than to post on here - what do the rules say again about courtesy?

MrsTinks

It says it very clearly

Be nice to all money savers - as I think this thread has now run it's course I'm going to close it - if anyone disagrees please report it the usual way

Macca - best of luck with the claim and the LA