House Insurance claim

Hello all,

We recently had a flood in the bathroom which soaked the whole room and came down in to the living room and soaked the cieling. 

this was caused by Welsh Water. Our connection in the road burst, when they dug up the road water shot 20ft in the air. When they connected it back up all the mud, stone shot up in to our house and overwhelmed toilet system and blocked it with stones (pressure is amazing on the mountains ) they spent 2 days cleaning our pipes in the house and sorting the issue out. 

anyway, we’ve had dryers out under the floor boards (our electric has doubled since )  and servayour has been out and we have a cash settlement off (I have to pay my £750 excess ) which I need to get off the water authority now! 

Anyway, do you decline the first offer? Is that a thing?  I’ve never claimed before ! How do I know what I’m getting is enough etc? 


  • pramsay13
    pramsay13 Forumite Posts: 1,831
    Part of the Furniture 1,000 Posts Name Dropper
    Are you claiming on your own house insurance or is the water company insurance covering it?.
  • McClane54
    McClane54 Forumite Posts: 276
    Part of the Furniture 100 Posts Combo Breaker
    I’m claiming on my house insurance as I was told by the water company to give them the reference number and they’ll sort the rest 
  • pramsay13
    pramsay13 Forumite Posts: 1,831
    Part of the Furniture 1,000 Posts Name Dropper
    I would hold off until you know the full extent of the damage. You've just said recently so not sure how long ago. 
    We had an escape of water claim in the kitchen where they put in dehumidifiers but in the end it was a full rip out and refit needed.
    Once everything is dried out check if you need new flooring, decorating etc. and add up everything including extra electricity and then present this to them. 
    Don't be rushed into accepting an offer. If you've to pay the excess up front speak to the water company, although it will normally be taken off any offer. 
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