House insurance claim

Claire_luton

Hi all.
I started a house insurance claim when I noticed cracks on external wall and inside house in July this year. I got an email from house insurers that they won’t renew my insurance in September 24. The claim is on going as work is still being done to check the property. If there is subsidence, I assume they would fill in the cracks around the property. I don’t know how I am supposed to answer regarding the claim when trying to explore new insurance. What do I do?

TadleyBaggie

First thing, get this thread moved to a more appropriate (i.e. insurance) forum if you want some answers. 

Pollycat

Move requested 

MSE_ForumTeam5

Move completed

Annemos

Good morning. I sympathise. It is a horrible situation to be confronted with.   (To help future Searchers on here, are you able to go into your Title and edit it to add:  "Dropped from Insurance in middle of Subsidence Investigation" ???)  


Please see this Posting below for replies to a Poster who had similar a problem recently. And also the case which was listed in my reply.


https://forums.moneysavingexpert.com/discussion/6549912/subsidence-insurance-continuation-of-cover-during-claim#latest


Also please see this. Producing this also worked for another Poster, recently: "Process in an ongoing Buildings Insurance Claim": 


https://www.abi.org.uk/products-and-issues/topics-and-issues/flooding/recovering-from-a-flood/guidance-on-continuation-of-buildings-insurance-cover-while-a-property-is-undergoing-repairs/#:~:text=Where%20an%20insurer%20agrees%20to%20offer%20to%20maintain,policy%20period%20of%2012%20months%20where%20more%20appropriate.


==============

My advice is to immediately push back on being dropped. I believe you are in the same position as people who are in the middle of repairs: you are in the middle of investigations. Now that you have started a Subsidence Claim, they should not be dropping you unless their final analysis has shown there is no Subsidence.

(If that turns out to be the case and there is no Subsidence, you will also have to monitor that they have not put a Subsidence Claim on the Claims and Underwriting Exchange database. Or if they did enter it as Subsidence when the Claim was started, that they then go back into the CUE to change the description once it is determined there is no Subsidence. I have cases on this.) 



Your policy may have been set up within a chain: 

Arranger A......     set up policy through  a Managing General Agent Company MGA  ..... who is acting on behalf of the Underlying Primary Insurer PIns 

You will urgently need to approach Arranger, MGA and PIns. Use the information above to say they must be giving you "Continuation of Cover" while the Subsidence Claim is being investigated and into the future if it is indeed found to be Subsidence. 

Firstly ask them if they have realised what has happened to you? Is it something that has happened in error and they have not realised you have been dropped from a new Policy in the middle of a Subsidence Investigation? Can they step in and set a new policy up again? 

If it is a problem with the Arranger, for example, then ask both MGA and Pins if MGA has any other policies available for you with PIns, through a different Arranger or Broker. (Sometimes they can stop working with each other.) 

If they do, then as in my case, they should be able to set one up for you. 

If the MGA does not, then you will be dealing with just PIns itself to get this sorted out. 

Good luck. 


PS Don't allow them to say...."We do not deal with Customers directly"!! They have to in this type of case. I had to be very persistent when it happened to me. Twice!