Home Insurance Fire Claim Diary

MikeSuperZone

Mungo76 wrote: »

Complain as per the procedure in your policy booklet, go to the CEO etc.

Nice and simple, I wish to complain, my claim is taking too long, I cannot get straight answers from your appointed agents. Please resolve it or appoint someone competent to do so.

Bypass the adjusters, don't make the complaint to them.

Thanks, been reading all these complaints to the insurers, the insurance industry has to change

MikeSuperZone

Day 32
Written complaint to Cunningham Lindsey as they are the Agent that has been appointed by our Insurer Legal & General which we have a home insurance policy with, Cunningham Lindsey is liable to fulfil the contractual obligation of that home insurance policy.
We have hoped that our home insurance claim would bring our quality of life back to normal as soon as practicable, however it appears that Cunningham Lindsey has not been satisfactorily managing its third-party service providers to allow its third-party service providers to undertake the required works to bring our quality of life back to pre-fire incident quality. We are requesting Cunningham Lindsey to rectify the shortcomings of how they have managed our home insurance claim.
Cunningham Lindsey is supposed to bring our quality of life back to normal as soon as practicable, right? Or are they supposed to do something else, am I missing something?

Mungo76

MikeSuperZone wrote: »

Day 32
Written complaint to Cunningham Lindsey as they are the Agent that has been appointed by our Insurer Legal & General which we have a home insurance policy with, Cunningham Lindsey is liable to fulfil the contractual obligation of that home insurance policy.
We have hoped that our home insurance claim would bring our quality of life back to normal as soon as practicable, however it appears that Cunningham Lindsey has not been satisfactorily managing its third-party service providers to allow its third-party service providers to undertake the required works to bring our quality of life back to pre-fire incident quality. We are requesting Cunningham Lindsey to rectify the shortcomings of how they have managed our home insurance claim.
Cunningham Lindsey is supposed to bring our quality of life back to normal as soon as practicable, right? Or are they supposed to do something else, am I missing something?

As mentioned, complain to the underwriter not the adjusters. They might be the agent, but they are not who you hold the contract of insurance with.

MikeSuperZone

It appears that Belfor are now going to resume with the cleaning, this has delayed the cleaning by a couple of weeks.


I want to ask is when Belfor decided to stop/delay the cleaning, is it industry standard or is it professional negligence?


Say for example, if Mike is a person with a wife and children living in a house with soot, will he really wait for the next-door house to be fully restored before he will clean his house, even if he doesn't know the start/completion date of the next-door house restoration, because there is a risk that Mike's house will get dirty again?

Blibble

What is the reason Belfor are advising they progress with the internal clean? Their original (slightly spurious) reason was that next door required restoration works to be completed - unless this has already occurred, Belfor shouldn't now be proceeding by their own reasoning.

If the restoration works next door have not been completed, Belfor have needlessly delayed the claim, so therefore proceed with a complaint through the insurer (not C&L, as advised).

You mention in an earlier post about a guttering area to be repaired - how has this been damaged by the smoke?

MikeSuperZone

Blibble wrote: »

What is the reason Belfor are advising they progress with the internal clean? Their original (slightly spurious) reason was that next door required restoration works to be completed - unless this has already occurred, Belfor shouldn't now be proceeding by their own reasoning.

If the restoration works next door have not been completed, Belfor have needlessly delayed the claim, so therefore proceed with a complaint through the insurer (not C&L, as advised).

You mention in an earlier post about a guttering area to be repaired - how has this been damaged by the smoke?

It seems that Cunningham Lindsey intervened when I wrote to them to complain. I also got a letter from Legal and General saying that they hope that I understand the outcome in response to my complaint. Presumably, Cunningham Lindsey forwarded my complaint to Legal & General.


No, there is no info on when the next door house restoration is going to start.


That's what exactly happened, Belfor had needlessly delayed the process, as if the waiting to get a schedule is not enough.


The gutters were burned.

Blibble

saidmaoui1 wrote: »

I've been lurking about on here for a few months after complaining to Sunny about one of my loans. They rejected the complaint so I took it to the FO. Today the adjudicator has replied also rejecting my claim. I rolled over each month for 15 months, as soon as a direct debit was paid I borrowed more money from them to cover the gap this left. An initial £100 loan ended up being £1000 before interest. At no point during these 15 months of rolling over and borrowing more did Sunny re-asses my situation. Does this sound like it was irresponsible?

Not relevant to OP - consider posting elsewhere, possibly in Loans?

MikeSuperZone

I'm hoping that most home insurance claims would be smoother than what I am currently experiencing. I feel that the intangible damages can still be softened if there are proper measures in place to help the policy holders, I appreciate that the insurers are also running a business. But, something is not right with how the insurers/their agents treat the policy holders. I'm not sure if the Ombudsman is much help as it would just delay your claim for another 8 weeks.


Are there ideas out there on how we might be able to change the home insurance industry or at least raise awareness so that policy holders can brace themselves and not be traumatised by the claims process?


Or this forum is as far as we can go?

rs65

How did you go from day 25 to day 31 in 28 minutes?