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  • FIRST POST
    • HurdyGurdy
    • By HurdyGurdy 14th Mar 18, 6:52 PM
    • 863Posts
    • 3,097Thanks
    HurdyGurdy
    What should we expect from the insurance company
    • #1
    • 14th Mar 18, 6:52 PM
    What should we expect from the insurance company 14th Mar 18 at 6:52 PM
    Two or three days before Christmas, we ended up with a large chunk of our kitchen ceiling, on the kitchen floor.

    The insurance company sent out a contractor and the problem was traced back to the toilet in the bathroom, in which, apparently, a nut hadn't been tightened properly when the bathroom was refitted just over two years ago.

    We still have a temporary bathroom floor and a temporary kitchen ceiling. Last time we had the contractors round, they decided that in order to replace the bathroom floor, they need to take the bath/shower unit out.

    This isn't going to happen! The unit only just fits in the bathroom and it is not possible to remove it without literally breaking it up. There is no other option.

    Given that we paid 2000 for this unit two years ago, what should we be anticipating the insurance company will replace it with? Should we be expecting it to be "like for like", or will they likely just replace it with a standard bath?
Page 1
    • lewishardwick
    • By lewishardwick 14th Mar 18, 7:04 PM
    • 545 Posts
    • 680 Thanks
    lewishardwick
    • #2
    • 14th Mar 18, 7:04 PM
    • #2
    • 14th Mar 18, 7:04 PM
    Have you checked your policy wording?

    They should be looking to return you to the same state prior to the ceiling collapsing. So pretty much like for like.

    You should have a claim handler who van answer your queries.
    • Furts
    • By Furts 14th Mar 18, 8:00 PM
    • 4,287 Posts
    • 2,781 Thanks
    Furts
    • #3
    • 14th Mar 18, 8:00 PM
    • #3
    • 14th Mar 18, 8:00 PM
    Insurance contractors work on a basic principle. This is to minimise their work but to maximise the profit out of every job. In turn this can mean increasing the amount of work done when this work is not even necessary. To this will be added work you know nothing about - additions declared on the job and booked to the insurance company.

    Where does all this put you? There is a chance that there is no need for your bath shower unit to be removed. In theory it should be adequately supported on your floor joists and a replacement floor could be butted up and joined to that under the bath shower unit. Regardless, only you know the answer here, and only you have seen the room and the work involved.

    Bear in mind another principle of insurance work. The standard of workmanship can be dismal, and the materials used being low quality. Be on your guard here and manage the contractors.

    Just to make that clear, you have to manage the contractors!

    Remember the contractors have zero interest in you because you are not their client. Which in turn helps explain why standards can be dismal.

    You have been warned!
    • HurdyGurdy
    • By HurdyGurdy 20th Mar 18, 10:58 PM
    • 863 Posts
    • 3,097 Thanks
    HurdyGurdy
    • #4
    • 20th Mar 18, 10:58 PM
    • #4
    • 20th Mar 18, 10:58 PM
    So far, we are pretty impressed. We have been given an allowance of 2,200 to choose a replacement bath/shower unit, and when, in conversation with the foreman, we mentioned that we would actually prefer not to have a bath, but just a nice large shower, they said fine - go ahead and choose what you want, up to the allowance amount

    There has been a single workman here for the past two days, and he has worked like a whirlwind! Our bathroom is now, literally, empty. The walls are back to bare brick, so we will end up gaining a couple of inches of bathroom, given that the plaster was so thick, so that's a bonus.

    I didn't even get as far as looking for the policy documents to see if we were entitled to new-for-old etc. The company has been really accommodating (so far anyway )
    • SuzieSue
    • By SuzieSue 21st Mar 18, 10:44 AM
    • 3,831 Posts
    • 4,046 Thanks
    SuzieSue
    • #5
    • 21st Mar 18, 10:44 AM
    • #5
    • 21st Mar 18, 10:44 AM
    So far, we are pretty impressed. We have been given an allowance of 2,200 to choose a replacement bath/shower unit, and when, in conversation with the foreman, we mentioned that we would actually prefer not to have a bath, but just a nice large shower, they said fine - go ahead and choose what you want, up to the allowance amount

    There has been a single workman here for the past two days, and he has worked like a whirlwind! Our bathroom is now, literally, empty. The walls are back to bare brick, so we will end up gaining a couple of inches of bathroom, given that the plaster was so thick, so that's a bonus.

    I didn't even get as far as looking for the policy documents to see if we were entitled to new-for-old etc. The company has been really accommodating (so far anyway )
    Originally posted by HurdyGurdy
    Who are you insured with?
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