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Claiming on builder’s insurance after plumbing caused flood
Serengetisnow
Posts: 7 Forumite
Morning,
We have been having a kitchen put into our annex by a builder. All was fine until we found a few inches if water throughout the downstairs yesterday. Water was pouring out of the plumbing that was recently altered (we luckily have before and after photos).
The builder has been great so far and says he has contacted his insurance company. My question is really what we should do- wait to hear from the insurance company? Ask the builder for a timeline? What should we expect in this situation? I don’t want to nag the builder too much but just sitting back and waiting seems a bit
passive
All the wooden flooring is ruined, water has soaked up the walls and the plaster is blowing etc.
Many thanks for the help!
We have been having a kitchen put into our annex by a builder. All was fine until we found a few inches if water throughout the downstairs yesterday. Water was pouring out of the plumbing that was recently altered (we luckily have before and after photos).
The builder has been great so far and says he has contacted his insurance company. My question is really what we should do- wait to hear from the insurance company? Ask the builder for a timeline? What should we expect in this situation? I don’t want to nag the builder too much but just sitting back and waiting seems a bit
passive
All the wooden flooring is ruined, water has soaked up the walls and the plaster is blowing etc.
Many thanks for the help!
0
Comments
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You claim off of the builder, the builder decides if he wants to pay it himself or claim off his insurance
Your other option is to claim off your own insurance who will settle your claim and counterclaim off the builder/their insurer.
As a claimant you have a legal duty to be taking reasonable steps to mitigate your losses and so in the first instance drying equipment to try and prevent further losses would seem sensible.1 -
Ask the builder if his insurance company will contact you direct or go through him for a date when the assessor will come.
It's a good thing that he has agreed to fault and not argued so this would be a good way to introduce the conversation. Be as to the point and calm as you can in this situation so there is no agrivation.
You may mention that the longer you wait the more damage is occurring. That might get the skates on.
As DG says, you can do anything you can to help but keep a note with dates and photos. And any receipts for equipment etc.
The more thorough you are the more straightforward the claim.
Really feel for you. Must be awful.I can rise and shine - just not at the same time!
viral kindness .....kindness is contageous pass it on
The only normal people you know are the ones you don’t know very well
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Thanks both. We baled out all the water yesterday, and have removed all the furniture and belongings, opened the windows and turned the heating up.2
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