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Damages caused by contractor
I live in a council house so these are council contractors, not employed by me. They have caused extensive damages over the years, including flooding the house twice; reversing into my car and driving off leaving £3K of damage; breaking roof tiles; ruining electrical equipment with plaster dust; blasting all the gravel out of the garden into the drain etc. Also smaller things like splattering my car with black fence paint and leaving tar all over the carpet. The latest visit was a plumber changing the bath taps. Instead of removing the bath panel, he kicked his foot through it and tore it apart. He also ripped the flooring and flooded the kitchen below.
Most of the damage I have paid to fix myself. With the car, I used an accident management company and the contractor paid up once high court proceedings were issued. I did not want to use my own insurance because I knew premiums would rise. I did inform my insurer about the incident ‘for information only’ and despite not claiming, my premiums almost doubled.
I contacted the council about the damage from this recent contractor and they have sent me a public liability claim form, which would be claiming from the council’s insurance, not the contractor themselves. This form asks for details of my own home insurance. Do I have to give them these details? I do not want to claim from my own insurance and have to pay higher premiums. If I do that every time these contractors cause damage, I will quickly become uninsurable. Also, I only have contents insurance and I do not think it covers damage caused by tradesmen that I allow to work in my house. Since this is not my property, I cannot refuse to allow these contractors access.
Are there any other options? Would it be better to use the small claims court?
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