friend was flooded, unsuitable accommodation please help..

milesgiles

house has been flooded very badly totally unliveable, has been put up with his wife in one room in a premier inn. I would guess they would be there for three months, they have no kitchen.. 
My feeling is this can't be right and ive asked him to keep pestering the insurance company. He is seeing the adjuster tomorrow, any advices?
cheers all

Alter_ego

Read the insurance policy

DullGreyGuy

milesgiles said:

house has been flooded very badly totally unliveable, has been put up with his wife in one room in a premier inn. I would guess they would be there for three months, they have no kitchen.. 
My feeling is this can't be right and ive asked him to keep pestering the insurance company. He is seeing the adjuster tomorrow, any advices?
cheers all

Normally a hotel is the initial solution until timescales for repairs etc are known and if it is going to be months then an alternative property found

diystarter7

Hi OP

You must give the insurance outfir a chance.
What does the policy state, anyone bother to read that online/etc as that can answer most questions as can their helpline?

A friend has flooded out years ago - they went on hols, returned home after 3 weeks - did not leave heating on - they intially moved in with their kids down the road and did not want hotel, a few days later they were given a property about a mile from where they lived. They returned home several weeks later

Good luck

milesgiles

Alter_ego said:

Read the insurance policy

im sure he has, smart guy, but insurance bureau doesnt list this in their best practise so im not sure the policy does

milesgiles

DullGreyGuy said:

milesgiles said:

house has been flooded very badly totally unliveable, has been put up with his wife in one room in a premier inn. I would guess they would be there for three months, they have no kitchen.. 
My feeling is this can't be right and ive asked him to keep pestering the insurance company. He is seeing the adjuster tomorrow, any advices?
cheers all

Normally a hotel is the initial solution until timescales for repairs etc are known and if it is going to be months then an alternative property found

sure ill tell him thanks

DullGreyGuy

milesgiles said:

Alter_ego said:

Read the insurance policy

im sure he has, smart guy, but insurance bureau doesnt list this in their best practise so im not sure the policy does

You'd be surprised how many people dont read their policies... the Travel section here has had multiple posts recently of people admitting they've read their travel policy for the first time ever and didnt realise how it operated in certain circumstances.

Not sure who the insurance bureau are that you are referring to but you can look on the Financial Ombudsman's site https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/home-buildings-insurance/settling-home-insurance-claims and see the Alternative Accommodation section on how they expect insurers to handle claims (though ultimately the T&Cs of the policy also matter).

You'll note there the ability to claim any uplift in costs due to having to eat out because of no kitchen or using hotel laundry service etc in addition to the AA itself. 

milesgiles

DullGreyGuy said:

milesgiles said:

Alter_ego said:

Read the insurance policy

im sure he has, smart guy, but insurance bureau doesnt list this in their best practise so im not sure the policy does

You'd be surprised how many people dont read their policies... the Travel section here has had multiple posts recently of people admitting they've read their travel policy for the first time ever and didnt realise how it operated in certain circumstances.

Not sure who the insurance bureau are that you are referring to but you can look on the Financial Ombudsman's site https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/home-buildings-insurance/settling-home-insurance-claims and see the Alternative Accommodation section on how they expect insurers to handle claims (though ultimately the T&Cs of the policy also matter).

You'll note there the ability to claim any uplift in costs due to having to eat out because of no kitchen or using hotel laundry service etc in addition to the AA itself. 

that is very helpful thanks will send him

TELLIT01

The immediate requirement was to provide them with a roof over their heads, and the insurers have done that.  I certainly wouldn't expect that to be viewed as a long term arrangement, although it may take time to find them suitable accommodation.  Until the loss adjuster sees the state of the property the insurer won't really have any idea how long the work will take, and therefore how long they will have to find accommodation for.