Vehicle into front wall

luci

mills705 said:

Yes they agreed it without any arguments really which was good. 

The loss adjustor has been Ok so far, although I did have to point out that providing us with alternate accomodation until 4 days after the baby was due was not something we were happy with. He quickly changed it to January. 

I am guessing they are trying to keep their costs low in offering places that are OK for 2 people to live temporarily. 

I sent my contents off on Friday and its been radio silence from him around this since then. I even asked questions around how it would be paid and next steps. 

That's good that they're picking up the tab. Re your contents claim, it's in effect only been one working day up till this morning.

MyRealNameToo

mills705 said:

I am guessing they are trying to keep their costs low in offering places that are OK for 2 people to live temporarily. 

There is a complexity that you may not fully appreciate... 

As a third party you are entitled to indemnification, meaning putting back in the same financial position you were immediately before the incident. Additionally you have a legal obligation to mitigate your losses (ie make them as small as is reasonably possible). Your insurers have a legal obligation to support you in this.

As a policyholder you are entitled to whatever the policy states you are entitled to, most Home insurance goes beyond indemnification into what is technically betterment (ie you can break a 20 year old TV and receive a brand new replacement). 

Whilst you may be entitled to certain things under your policy your insurer will not be able to recover these from the third party insurer which would mean it becomes a "fault" claim at the end of the day as they pay out £4k but only get £3k back from the third party insurer. "Fault" in insurance terms has nothing to do with blame but simply if they have a net outlay at the end of the day, hence why if you are involved in a hit and run and the third party remains unidentified its a fault claim. 

The concept of fault isnt very developed in Home insurance compared to Motor so some will just carry on regardless, others will try harder to fulfil their obligations around mitigation etc, some will see the difference between fault and non-fault claims, others won't. Some may ignore partial recoveries others will consider partial recoveries as fault claims. 

mills705

Apologies Luci I meant Thursday, we chased followed up with another query on Saturday. 

Only just received a reply today. Looks like its all approved without any issues after speaking with him verbally- just awaiting confirmation via email for the payment asking for my details to receive it. 

As for the alt accom, I appreciate they will keep the costs down but they should not be moving you to places which are not suitable. IE 1st floor flats in a student area when you are about to bring home your first child. They should be using their common sense and acknowledging that people that live in the suburbs are not going to want to move into the city centre. 

luci

mills705 said:

Apologies Luci I meant Thursday, we chased followed up with another query on Saturday. 

Only just received a reply today. Looks like its all approved without any issues after speaking with him verbally- just awaiting confirmation via email for the payment asking for my details to receive it. 

As for the alt accom, I appreciate they will keep the costs down but they should not be moving you to places which are not suitable. IE 1st floor flats in a student area when you are about to bring home your first child. They should be using their common sense and acknowledging that people that live in the suburbs are not going to want to move into the city centre. 

Good to hear they have approved your accommodation and have seen that it is a sensible option. My reason for asking was because they would want you to minimise the costs and may not have considered your circumstances.

mills705

Just an update on this.

We are on the final mile with the claim.

This is the final week of works which is redecoration. 

Few stumbling blocks around the repairs but the majority has been completed. The bricklayer needs to re attend to complete the re pointing and a brick in the wall has cracked which will need replacing that was missed in the initial repair works. 

Our false bay window has been replaced and cosmetic work is needed here - they have not silicone a few places to make it look neat and tidy. I also have a question on how its been put in as it is on a stone sill but it looks like it is barely on the sill and a piece of plastic covers this now. 

I have an open complaint regarding the claims journey and communication. Compounded by the loss adjustor going silent for 2 weeks on me after 4 emails and several phone calls. 

XRS200

Sounds like the insurers have responded well.  I had visions of this taking much much longer.

mills705

XRS200 said:

Sounds like the insurers have responded well.  I had visions of this taking much much longer.

Interesting that you say that. 

It feels like a lifetime for me!

It has been particularly hard bringing your first child back to a house which isn't your own and is not set up for family life. 

DeathByFluffy

mills705 said:

XRS200 said:

Sounds like the insurers have responded well.  I had visions of this taking much much longer.

Interesting that you say that. 

It feels like a lifetime for me!

It has been particularly hard bringing your first child back to a house which isn't your own and is not set up for family life. 

You had a lot of input from others earlier in the thread setting out timelines of up to (and over) a year - honestly, you've done well to have things nearly back to normal less than 2 months since the incident. 

Without meaning to sound harsh, I feel the other posters have tried to set your expectations throughout the thread and you've consistently expected more - I understand it's difficult, but I'm not sure anything the insurers could have done would have been enough. 

Congratulations on the new arrival, and I hope you're back in your home soon. 

luci

FWIW, I also thought the situation had been resolved and the repairs carried out very quickly