Insurance company nightmare

Comms69

shinytop wrote: »

For goodness sake, hasn't anyone got some helpful advice instead of blaming the OP for a leak from a property above and suggesting she conspired to give him/herself an electric shock? - If you mean, can someone post something sympathetic, sure, feel free. If you mean can the OP get accommodation deposit paid for; no. That's not how being an adult works... What does it matter when the flat was bought, exchanges, how long it was empty? The insurer has agreed to pay.

OP, I would try and negotiate the time it takes to repair with the insurer- I'm sure you won't need to be without water and heating for more than a few days and a hotel for a few days plus a tenner a day would be a lot cheaper for the insurer than weeks/months in alternative accommodation.

Helpful and useful advice, may well be advice that the person doesn't want to hear.


It's far most helpful to tell someone the cold hard facts than anything else

HampshireH

I am very confused....as many readers appear to be.

You say this leak happened in september the day you moved in and you now need to move out. Where have you been for the last 3 months then?

Absolute rubbish that because no-one was living in the flat for a year no-body noticed the leak. If its so bad it required you to move out then either it was a new leak or it must have been apparant on viewing or at the very least when the seller was dealing with it. You say it happened the day you moved in so the fact it was empty before that is irrelevant.

Unless you purchased without a viewing. This is why viewing a property is so important and carrying out a 2nd one nearer completion. Imagine if you had completed and the ceiling had been on the floor and the place flooded!

If your claiming on your neighbours insurance and they are deeming the property uninhabitable (odd if they have let you live there 3 months already and you/they have done nothing to deal with the problem and fix the damage) then either you request they provide alternative accommodation or you get that through your insurer.

Either way I would strongly suggest requesting a full scope of works and timescales against each element of it. Most insurance companies scope works, prior to starting set timescales and hand back dates etc. Get this all from them.

........however your posts are so confusing that I'm unsure if you already moved out and the above is totally irrelevant.

bouicca21

I had to move out while repair works were carried out to my flat after a leak (consequential damage paid by the buildings insurers). They paid for me to stay for a month in an Airbnb. If OP is required to move out to make life easier for the contractors then the insurance company should divvy up (though there will undoubtedly be an excess on the claim).

shinytop

Helpful and useful advice, may well be advice that the person doesn't want to hear.


It's far most helpful to tell someone the cold hard facts than anything else

Allow me to explain my point.

This is useful advice:

How much is the deposit? Can you not credit card it? Or payment holiday your mortgage whilst it’s being worked on?

this is not

But given that you knew there was a leak and it was likely to have got into the electrics, why on earth would you then grab the metal fitting...?!?

Did you spot the difference?