Fire at Kitchen

rameshcafe

Background
- Kids were playing in the front.  Wife cooking in the kitchen. when kids were shouting mummy..
wife went out and totally forgot about kitchen.
- kitchen caught fire. and myself and wife put down the fire.
- however entire house full of smoke, kitchen ceiling full of black smoke. 
- top cabinets where on fire and extract hood totally damaged.
- kitchen is totally unusable
- now got new electric stove and we are using in the living room temporarily.

- called the insurance and updated them
- they might replace , extractor hood, gas hob
-   they notified disaster care, they came and cleaned the kitchen and living room. however still some black remaining, not fully gone and they mentioned these needs to be painted. they removed all items from kitchen and mentioned to be disposed including all kitchen appliances like fridge, dishwasher , microwave and kettle. and none of the electrical appliances should be used and they mentioned it in their report as well.
still there are burnt cupboards and black in ceiling , which they mentioned cannot be cleaned.
insurance said they can provide 1900 pounds..... however i am not able to replace just he burnt cabinet as the design and color might not be able to get it.. to replace kitchen cost 6000 to 8000 pounds. 
can i ask the insurance to cover the cost of full kitchen /  can the insurance cover electrical appliances ?
or
is it reasonable insurance provided 1900 pounds ?

Aretnap

As far as replacing the whole kitchen goes, it depends on whether your policy has what's called "matching set cover". Your policy documents will say if your policy includes it.

Better/premium/more expensive policies come with this feature, which means that if an item which is part of a "matching set" is damaged (such as a kitchen cabinet, or a sofa from a three piece suite), and a replacement which matches the rest of the set can't be sourced, the policy will replace the whole set. 

However cheaper policies don't have matching set cover, which in principle means that they only have to replace the damaged items, and if that leaves you with a sofa which doesn't quite match the rest of your three piece suite, or some kitchen cabinets that don't match the rest of your kitchen, that's just bad luck. However the Financial Ombudsman has.modified this slightly, and said that even without matching set cover, if the customer wants to replace the whole set, the insurer should contribute 50% of the cost of the undamaged items. So do you want a perfect match badly enough to pay for half the cost of replacing the rest of the kitchen yourself? 

Insurance should cover damaged electrical items but (1) if they were freestanding they would come under contents not buildings insurance - do you have both? And (2) were they definitely damaged? Did the electrician say they were definitely unsafe to use, b or just that you shouldn't use them until they had been checked for safety?

DullGreyGuy

Aretnap said:

However the Financial Ombudsman has.modified this slightly, and said that even without matching set cover, if the customer wants to replace the whole set, the insurer should contribute 50% of the cost of the undamaged items. So do you want a perfect match badly enough to pay for half the cost of replacing the rest of the kitchen yourself? 

Its not purely if the customer wants to but if a suitable match cannot be found and even then there are limits... won't apply in this case but say you had matching laminate floor in the kitchen, hall and lounge with no door threshold then the FOS's 50% contribution would be limited to the one room whereas matching set cover in its fullest form would replace the flooring in all three rooms. 

To the OP - it's helpful if you also state what your excess is as it needs to be considered to give the full value of the offer. 

BarelySentientAI

DullGreyGuy said:

To the OP - it's helpful if you also state what your excess is as it needs to be considered to give the full value of the offer. 

And what this offer is supposed to be for - is it just for the replacement of the damaged cabinet?

rameshcafe

Disaster team mentioned , it is unsafe and should be thrown and they have provided in the report.
Excess is 350.  so 1900+350 .. is 2250 is what my offer is. and they deducted excess 350 and provider 1900.
my policy cover "Matching set Cover"