Need advice on insurance for damage caused by neighbours fire

littlerock

Loss assessors are proving little use. Just say they have no idea what is delaying loss adjusters report and cannot help speed things up. Separately they appear to have disregarded our instructions about settling our claim for the contents and proceeded to instruct a contractor we have specifically rejected.

littlerock

Update. We have parted company from our loss assessors Harris Balcombe. It was not a happy relationship. Do not wish to say more at this stage.

Jlo31

Fingers crossed you will now get a good senior loss adjuster from your Zurich who can start making things right for you.

Jlo31

Have you had any more luck with the claim. Has the senior loss adjuster been more helpful?

littlerock

Senior Loss adjustors been very helpful. Until last week however my buildings insurers had not accepted liability. This has now been accepted but still waiting for payment of interim expenses.

.Also no flying tin hat over my house and next door yet, as bit irrelevant for next door as is burnt out and also contractors still clearing burnt out hoarding contents and top floor not safe.

I have had to find and pay own contractors for interim scaffolding and roof repairs and stripping out wet wallpaper and temp hotel accommodation. How do fire or flood victims without savings manage?

House officially not habitsble. biggest problem is finding temporary housing. There is no decent 3 bed short term housing in area and what there is is all unfurnished. Reduced to sofa surfing or camping out in overnight hotels .

Jlo31

I'm glad things are progressing and claim accepted. Hope you can find some accommodation soon.

[Deleted User]

littlerock wrote: »

I have had to find and pay own contractors for interim scaffolding and roof repairs and stripping out wet wallpaper and temp hotel accommodation. How do fire or flood victims without savings manage?

Debt. They are obliged to pay for stuff on credit cards or take loans if they reasonably can. It's crazy but at least if they do pay any interest or fees they can add them to the cost of the claim.

lisyloo

DELETED USER wrote:

Debt. They are obliged to pay for stuff on credit cards or take loans if they reasonably can. It's crazy but at least if they do pay any interest or fees they can add them to the cost of the claim.

Thanks for the info both (and Little Rock).
This has been an eye opener for me.

I would not have expected to have to fork out myself in a situation like this.

paddyandstumpy

lisyloo wrote: »

Thanks for the info both (and Little Rock).
This has been an eye opener for me.

I would not have expected to have to fork out myself in a situation like this.

Until insurers agree to indemnify you post loss, then it is the home owners responsibility to protect their property from further loss or damage.

As previously mentioned any cost for credit can be added to the cost of the claim, so you're not ever out of pocket.

The alternate to the current process is insurers just agree blank cheques in the first instance, then decide if cover will respond to the claim, and if not then try and claw back the money from the insured or write it off. This will add cost to claims handling, ultimately leading to a rise in premiums to cover this.

lisyloo

paddyandstumpy wrote: »

Until insurers agree to indemnify you post loss, then it is the home owners responsibility to protect their property from further loss or damage.

As previously mentioned any cost for credit can be added to the cost of the claim, so you're not ever out of pocket.

The alternate to the current process is insurers just agree blank cheques in the first instance, then decide if cover will respond to the claim, and if not then try and claw back the money from the insured or write it off. This will add cost to claims handling, ultimately leading to a rise in premiums to cover this.

Yep I get all that.
It would be difficult for someone who couldn’t get credit though.