Home Uninhabitable? Insurance Claim Query

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Id previously agreed a cash settlement for the damage to my kitchen and hallway following a severe leak from upstairs. This included repairs and alternative accommodation costs.
The insurance company refused to pay as agreed, so im therefore having to carry out the works with new contractors and under normal circumstances id assume they would obviously pay them as their loss adjuster had previously agreed.
That being said, any thoughts would be appreciated. The reason for alternative accommodation is the entire kitchen and ceiling need taken out and replaced, as does the hall floor, and in the meantime the effected walls will need treated etc.
No kitchen for several days. Not ideal when ive a smalll child (2) in a two bedroom flat, im also nightshift constant, and have been for over 3 years. If for some strange reason anyone had to have extensive work carried out during the night.....you see where im coming from i hope.
Uninhabitable, surely???

Quentin

Talk to the claims department or adjuster to get this sorted (assuming you do have cover for this)

FutureGirl

The hall floor doesn't make it uninhabitable. The only part that would make it uninhabitable, in your situation, is where you cannot use cooking facilities.

Talk to the claims team / loss adjuster about some alternative accommodation. It will be only be for the length of time you're without a kitchen, so likely to just be a hotel.

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FutureGirl wrote: »

The hall floor doesn't make it uninhabitable. The only part that would make it uninhabitable, in your situation, is where you cannot use cooking facilities.

Talk to the claims team / loss adjuster about some alternative accommodation. It will be only be for the length of time you're without a kitchen, so likely to just be a hotel.

Sorry, i may have confused. Going by the FO website advice/example, "uninhabitable" has to consider the insured own circumstances. As ive explained, working nightshift means I have to sleep during the day, which i obviously cant when theres a large repair job taking place at my house.
Yes, I understand that being without a kitchen for maybe a week isnt ideal, it could even be argued that it's merely uncomfortable. But as i hinted at, if for some reason you have to have work carried out during the night, then youd have to move out your house. sleep distruption is a health and safety matter surely

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Quentin wrote: »

Talk to the claims department or adjuster to get this sorted (assuming you do have cover for this)

The original loss adjuster confirmed i would get alternative accommodation, it was actually part of the cash settlement offer, but my insurance company seem to be unbelievably stubborn and my concern is that this may be called into question

FutureGirl

But I already explained you should be entitled to alternative accommodation due to the fact that you have no cooking facilities....

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FutureGirl wrote: »

But I already explained you should be entitled to alternative accommodation due to the fact that you have no cooking facilities....

Yes, and thank you very much for that. And as for the works when i do, but like i said, im nightshift.....

jonesMUFCforever

Have you no family or friends that will let you sleep for the time it would take to repair your property?

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jonesMUFCforever wrote: »

Have you no family or friends that will let you sleep for the time it would take to repair your property?

No, unfortunately i dont have anyone that can take my family and i in while its going on. In normail circumstances that probably would be an alternative, but sadly not in this case.

magpiecottage

Might be worth actually asking the insurance company claims department (not the loss adjuster) first, rather than getting us to speculate.

If they say yes, well and good. If they say no, then come back here for guidance.

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magpiecottage wrote: »

Might be worth actually asking the insurance company claims department (not the loss adjuster) first, rather than getting us to speculate.

If they say yes, well and good. If they say no, then come back here for guidance.

Well generally speaking, the loss adjuster is appointed to manage the claim and thats generally who you communicate with.

Theres been some disputes between myself and the insurance company already, which im sure isnt all that surprising, so i was just seeking a bit of guidance given my circumstances. I thought it might actually be of interest too; I cant be the only nightshift worker whos been faced with this issue