Flooded by neighbours burst pipe - insurance help

nightsky224 · 3 January 2017 at 5:54PM

Last week our neighbours had a leak, they were away and we noticed when water started pouring through our light fittings,
Thankfully we were able to get in to their property and shut off the water.

We were able to turn off the electrics before they blew and move all our belongings and mop up the water etc.

We have loss adjusters coming this week. Have never claimed on insurance before wondered if any one had advice.

The house is small terraced over 100 years old. The water came through light fittings, light switches, other random places and also traced the plasterboard on the ceiling. Our open staircase was boxed in a cupboards put in. You can't actually see the back wads as there is plaster board infront now but worried it got damp behind there.

The cosmetic stuff is obvious but worried about the hidden damage, any one got experience of what to do about that?

ST1991 · 3 January 2017 at 6:01PM

Sounds awful

They should have someone out to assess damage to the property and belongings. I imagine at the same time they will look for 'hidden' damage.

southcoastrgi · 3 January 2017 at 10:46PM

It doesn't sound like your neighbors were negligent therefore it will be your insurance you claim off not theirs

thebaldwindowfitter · 3 January 2017 at 11:38PM

The third party wether negligent or not are still at fault and the posters insurance will be looking to mitigate there losses . We are doing a refurb on a terrace which has had a similiar problem only it has flooded underneith the floor all being claimed off third party eventually in much the same way as car insurance saves two lots of admin

nightsky224 · 4 January 2017 at 12:06AM

southcoastrgi wrote: »

It doesn't sound like your neighbors were negligent therefore it will be your insurance you claim off not theirs

Is this from experience?

nightsky224 · 4 January 2017 at 12:07AM

thebaldwindowfitter wrote: »

The third party wether negligent or not are still at fault and the posters insurance will be looking to mitigate there losses . We are doing a refurb on a terrace which has had a similiar problem only it has flooded underneith the floor all being claimed off third party eventually in much the same way as car insurance saves two lots of admin

I hope so!

diymonkey · 4 January 2017 at 3:18AM

@ thebaldwindowfitter - Sorry a bit off-topic, but is your PM inbox full?? I just needed to ask you something, but it won't allow me to send any messages until you delete some from your inbox.