Insurance claim,water damage.

cjb1971

After finding a burst pipe under kitchen floor(concrete) insurance sent out surveyors.
I was given a scope of works for new laminated floor in living room as water can gone through wall into there,a new tiled kitchen floor and various repairs to the water damaged plasterboard,some elements seem underpriced,others generous,overall i think it balanced out.
The concrete slab needed replacing as it had cracked/risen up,after 4 weeks they accepted a quote for this aswell.
The info i am after is for the following-
Was recently advised by assessor that due to the kitchen units i removed not being able to be re-fitted as when i took them out they basically fell apart (flat pack) and signs of water ingress on the side panels they would add on new carcasses,been to bandq today and surprise surprise they no longer do this style/colour of kitchen,am i now within my rights to ask for all new kitchen units?
Secondly my living room has decorative mdf panelling around the lower 1/3 of the rooms,the water has soaked into section of this expanding it and warping it,assessor included replacing the damaged panels but this was installed 15 years ago throughout the whole house and purchased from wickes who no longer sell it,what would be reasonable to expect the insurance to do about this?
It quite a large room and cost us £1500 to have it installed all those years ago.
ps, my insurance company dont get involved with contractors they just send out a cheque one settlement figure has been agreed.

jonesMUFCforever

Did you only go to B&Q - try other kitchen fitters as well!
Otherwise it will end in tears.

Quentin

Your insurer will know they have to assist you if you cannot get matching units/panels etc with a contribution to the cost of replacing the undamaged items.

So don't agree a settlement before getting this issue resolved.

paddyandstumpy

Quentin wrote: »

Your insurer will know they have to assist you if you cannot get matching units/panels etc with a contribution to the cost of replacing the undamaged items.

So don't agree a settlement before getting this issue resolved.

FOS precedent is 50% contribution for undamaged items in a set.

cjb1971

At the moment there is only one 600mm wall unit that is not damaged as theres signs of water ingress on all wall and floor units which were in contact with the wet plasterboard so hopefully a full kitchen all bar one unit.
I only been to bandq as thats where we purchased kitchen from,just took it for granted no other place would stock old bandq units

lisyloo

My sil had damaged laminate.
She couldn’t source a replacement.
First thing insurance offered to do was to source matching pieces.
They couldn’t in her case, but they will have better sources than you for sourcing a match.

Blibble

50% should be offered for matching any undamaged panelling etc. to the damaged area, which your insurer should also be replacing. You may have to push for that though, so be prepared.

When you say your insurer "doesn't get involved" with contractors, where has this idea come from? Usually, a choice is given between the insurer's contractor or cash at the price they'd charge for the SoW?

cjb1971

A company called BVS is handling my claim on behalf of the insurance company, they told me that sheliahs wheels will just send me a settlement cheque,up to me to arrange the contractors.

Chickenlips

You may find it beneficial to ask the insurance company to appoint a loss adjuster. The adjuster will be able to advise on policy conditions and discuss the scope of works with your contractor/offer a suitable contractor.

BVS appear to just draw up a schedule. I've dealt with claims thattheyve originally had, which often needed to be increased due to additional damage being found as works progressed.