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A warning to anyone having repairs for large Insurance claims

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Jennifer Morris

A warning to anyone having repairs for large Insurance claims. Monitor all the time and report back to your Insurance company anything you are concerned about. It may take multiple assessments to get your concerns addressed but worth it to ensure the repairs are up to standard. I’m still getting my claim sorted, over 2 years now. Finally the Insurance company had the job assessed by an expert and job not to standard and explicit instructions not followed. Shortcuts were made and the Insurance company notified many times to get problems rectified prior to this last report. In defense of the Insurance company they have attempted to sort things out but it has been long and drawn out. A stressful 2 years. Now having another company coming to rectify the other builders mistakes. I recommend not signing off the claim until you are 100% satisfied or if offered a payout don’t accept. I was offered payouts and fortunately I didn’t. The problems found are major.
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Chris C

Hi Jennifer, Obviously on the face of it all good advice, and apart from the ‘insurance’ part applies to all building work. But it raises quite a few questions. Although a large claim, if it’s been 2 years presumably not connected to last year’s weather events, and was a claim on House insurance, not EQC. Are you prepared to say what kind of works were involved, and was it a complete rebuild, or just repairs? In my only experience with a largish claim (for house flooding from a burst pipe) the insurance company paid out a ‘full and final’ settlement, but then did not ask what we did with the money. Certainly not to the extent of getting anyone to assess the standard, or contacting the builder. Do you mean the insurance company had to approve the drawings and specification for the work? Did they choose/recommend the builder? The builder may have been rubbish, but certainly it seems you were lucky that the insurance company were more helpful than I would have expected. Maybe you should be recommending them.
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