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Water in the kitchen - insurance not interested
I have water coming through my kitchen ceiling by the back door. This only happens when it rains. I've had the insurance company out but as usual they aren't interested - are thy ever? I'm not sure if it's caused by next doors gutter and pipework as their house is joined to mine - it's a very odd set up as I live in an old…
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Condensation and water in the subfloor void
We had a musty smell coming from the front room. I lifted the floorboards to find condensation all through the subfloor of this room. Even on the plastic damp course protecting the wood. The void continues on to the living room which was condensation free. I dryed the underfloor which got rid of the condensation, the only…
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Water damage from upstairs flat
I have a flat which I let out and my tenants had a lot of water coming from upstairs flat, which caused some damage to ceiling etc. I have No insurance, what should I do? Upstairs neighbour say I must claim on my insurance, but as I said I have none. So do I just pay for the damage, or go further with upstairs neighbours?…
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Public Loss Adjuster or Assessor - Can anyone share their experience of using them?
I've a situation for my insurers and in the process of educating myself (e-books for insurance claims but all USA based), found out about the possibility of using loss adjusters who work for the client, and not the insurance company for a fee. Mine is a water ingress, damp issue which I've been told insurers like to blame…
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Mortgage dispute
Hi I initially had an interest only mortgage in 2008 from A&L. In 2011 when the term finished I called them in 25 January 2011 and arranged repayment which was agreed on the phone and a letter was sent out to me with the new monthly repayment figure. I have since lost the letter and had rented out the house with their…
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Sand for stream/ditch bed
Hello , I have a rainwater ditch at the end of my garden which has a steady stream of water running down it constantly . It is slowly eroding away the bed of the ditch which is undermine my erosion defence wall . what I would like to do is put some sand on the ditch bed just to raise it up by about 18 inches . I want to…
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Drying up after water leak
Hi all, just purchased a house that had been renovated cheaply it seems. Plastic pipe elbow popped off resulting in a large leak (Note do not use cheap plastic pipe fittings. Branded prob ok) Anyway, dry up operation now. I have pulled up the vinyl floor As wet underneath. It is a suspended timber floor (there are air…
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Home insurance and Council tax discount for empty uninhabitable period
Hi We are now at the end of a 9 month period of being in alternative accommodation - paid for by the insurer - while we got our downstairs completely refurbished due to a flood flash while we were on holiday, which swept 12 inches of rain water through the downstairs. We are now back at home, and all has been settled on,…
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Repair work to chimney via insurance claim but builder needs paying
The chimney to my property was damaged and I presented my insurance company with quote from the builder that was most professional sounding, and they agreed to fund the work for me. The builder did the work and presented me with an invoice at the weekend which I have sent to the insurers. I had initially been told by the…
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Fallen tree...who pays for damages ...(case of neglect as well)
I know that this issue has been discussed previously, however there is a difference in this case. During the recent storm, a huge tree from neighbouring school fell in our backgarden smashing the fence (we share a fence). Under the category of 'God's act' this damage is not payable by the school insurance. However, roughly…
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Loss Adjustors
Looking for some advice, hopefully from anyone within the insurance industry who can talk from experience rather than hearsay. When an insurance company assign a loss adjuster to visit a property for whatever reason - in my case specifically damage caused by Storm Barra to my garage - what is their brief? Also how much are…
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Hotel & Theatre Booking
Hi all I had booked some theatre tickets and a hotel in London as a treat for myself and my partner but due to the storms last week all of our travel was cancelled and we were unable to attend. I had tried to contact both the theatre and hotel as soon as I was aware but it took a while to get through and they have been…
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Guide updated: Storm or flood damage
MSE Tony recently updated this insurance guide: Storm or flood damage How to make a claim on your home insurance if hit Read for what you can do to prepare for storms, and what to do if your home's been flooded or damaged in a storm. Please let us know if there's something you think is missing. Thanks, MSE Laura F
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Water leak in new build- help needed please
Hi, This is my 4th week in a new build house. Water started leaking in the bathroom - it was visible on the floor (karndean) and downstair walls. Plumber came and fixed the leak (which was in the bathtub). Now, the upstair floor is becoming puffy at some places. I don't understand these structural issues and need your…
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Damage to fence (rental property at back)
During the storms (early December) our fence came down between ourselves and the property at the back of our house The property at the back is a rental and the owners have been away for some time. We contacted the Estate agent who manages the property for the owners to tell them we were getting the fence repaired as our…
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Should landlord pay shortfall
During storm Arwen we had several trees blow down in the garden of our rented house. One tree hit my car and wrote it off. The car was second had but only purchased 2 weeks previously for £24k. I have a £450 excess, hire car runs out this weekend and will have to hire another until sorted, had to spend £50 insurance…
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Rainwater causing wet plaster
My elderly mum has a bay window at the front of her house. A couple of years ago rain started to leak into the top of the bay every time there was a bad storm. The house insurance said it was nothing to do with them. Mum has tried to get it repaired but nothing has worked. Every time it rains now water runs across the…
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damp issue covered up by previous owner
Hi, I've bought my house 2 months ago. The house is 10 years' old. After some stormy weather this week, an internal drip from the ceiling appeared. Closer inspection has revealed the area has been painted over by the previous owner to hide a damp patch. Inspection of the attic, which I have not ventured into previously,…
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Admiral or Pirate
My son's fence was blown away with lots of damage in storm Arwen. The wind ripped trees out the ground all around and most property with a fence also had them blown apart. The wind was fierce. I mean really fierce. So, his wife emailed Admiral the next day as she couldn't get through by phone. They responded by refusing…
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Neighbours roof came off and landed on van
So my neighbours roof has came off in this severe storm. We bought the house last year and have been renovating so partly staying their/working their. The insurance for our van was renewed recently and my partner forgot to look over the details - as previously it was kept in a garage but is now outside of the house. They…