Rebuilding a brick wall and pergola

Dilly
Dilly Posts: 122 Forumite
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edited 30 October 2020 at 2:42PM in Is this quote fair?
Hi
I have been offered £1500 by my insurance company to rebuild a brick wall Last Feb the wall  was blown over in Hurricane Clara. Because of the pergola attached to the wall, it did not fall down. My builder made it safe and the insurance company surveyor came. The wall is approx 20 feet long by 9 ft high. The pergola has 5 beams for the 'roof' and 5 uprights. The base is paved. The wall is single brick with 2 pillars, one each end
The surveyor thinks it needs 8 hours of work to remove the wall, move the rubble to a skip at the front of my property. Approx 200ft. Bring the new bricks to the site and build the wall. The £1500 is for materials and labour. This is ridiculous, far more time is needed. 
I took the case to the Insurance Ombudsman who has ruled that the Insurance Company did nothing wrong as it has made me an offer and has also offered to have the wall rebuilt. At no time did the Insurance Company tell us that if more time was needed by the contractor they supplied the job would be completed. In fact they did not make any concession for the pergola, as they say only the wall was damaged. They also said that if there was any damage by the builder we would have to take that up with the builder
So it seems that the Insurance Co can give any offer it feels like and the Ombudsman will accept it has complied with the policy cover. In effect it could have been offered £100 and that would have been acceptable. Again this is beyond belief
I intend to appeal this decision, but I would like to know if anyone thinks this is a reasonable sum to offer and any other lines of pursuit I could take with the Ombudesman
Not 100% sure this is the correct place to post, so will also post under Insurance 
Thanks for any help
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