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Insurance company have made no mention that they won't cover yet and they know the details.
All they've said is if they recover from the builder the excess will be refunded and the claim will be stuck off.
Insurance company are covering me - but they are now after the builder to recover their losses. Got 2 plumbers reports confirming it was his fault so hes prob in trouble.
Well insurance paid out on this. They did try to recover from the builder but he denied it and it looks like they can't be bothered.
So its cost me £750 excess plus, of course, my insurance has gone up. Worth pursuing the guy through small claims? Apparently he doesn't have any insurance.
Well insurance paid out on this. They did try to recover from the builder but he denied it and it looks like they can't be bothered.
So its cost me £750 excess plus, of course, my insurance has gone up. Worth pursuing the guy through small claims? Apparently he doesn't have any insurance.
Well insurance paid out on this. They did try to recover from the builder but he denied it and it looks like they can't be bothered.
So its cost me £750 excess plus, of course, my insurance has gone up. Worth pursuing the guy through small claims? Apparently he doesn't have any insurance.
Well insurance paid out on this. They did try to recover from the builder but he denied it and it looks like they can't be bothered.
So its cost me £750 excess plus, of course, my insurance has gone up. Worth pursuing the guy through small claims? Apparently he doesn't have any insurance.
Worth considering it if the contract is with him personally not through a company. You can complete the forms online iirc, He is likely to have some personal assets.
Save your stress and time and just put it down to experience. These things happen. Just don't use him again or recommend him to others.
You can moan to chap. You can have sleepless nights but, given a year or so down the line it'll have long blended into other of life's little troubles.