house fire

cumbriandutchy

New to the forum and looking for some guidance: We lost 75% of our house in house  fire last year. As it is attached to the neighbouring property where the fire happened, my insurance is accepting liability. The house can only be rebuild if next door is ( complex building) However the neighbouring property is unlikely to be rebuild and my insurance wants to settle with cash settlement. Which will be around the rebuild value but unlikely to be the full insured value. ( might be a lot less) with the aim for us to rebuild. As the latter is probably never physically possible we are in impossible situation
Does anyone know where to turn to for help?

Mark_d

So the fire happened in a neighbouring property but your insurance is accepting liability?  Why would you pay for buildings insurance given that the insurance would only pay out £25k for the bricks and mortar - rather than the value of your loss?

diveunderthebonnet

Why is next door unlikely to be rebuilt ? did they not have insurance.