Anyone have any experience in home insurance claims , especially ones to do with burst pipes.
We had a pipe burst in the loft , which then flooded our oil boiler and then the lounge / dining/ kitchen and hallway.
Have had the drying company out and the insurance assessor .
Ceilings in all four rooms need to come down , some plasterwork re-newing and then rooms redecorating . Our main problem is the mahogany parquet flooring has lifted in areas.
Boiler is knackered , need a new one , however old one is 20years old and installation is not to todays standard , so boiler needs moving , therefore new pipe , plus valves , and tank is not to latest spec so told by boiler man it needs replacing. Can we expect insurance to pay all or just a partion ?
Generally I do most things myself , or at least all of the donkey work and then just get a man in for the odd job , so don't really know how much things are from scratch .
How do insurance companies cost up thing ? Do they have a flat figure per room?
The assessor said we would have 3 options , a cash payout - end of story , we get quotes for all work , or we give the keys to them - and pick the wallpaper.
If we take the cash option , is there any room to haggle ?
Anyone have any experience in either option ?
We had a pipe burst in the loft , which then flooded our oil boiler and then the lounge / dining/ kitchen and hallway.
Have had the drying company out and the insurance assessor .
Ceilings in all four rooms need to come down , some plasterwork re-newing and then rooms redecorating . Our main problem is the mahogany parquet flooring has lifted in areas.
Boiler is knackered , need a new one , however old one is 20years old and installation is not to todays standard , so boiler needs moving , therefore new pipe , plus valves , and tank is not to latest spec so told by boiler man it needs replacing. Can we expect insurance to pay all or just a partion ?
Generally I do most things myself , or at least all of the donkey work and then just get a man in for the odd job , so don't really know how much things are from scratch .
How do insurance companies cost up thing ? Do they have a flat figure per room?
The assessor said we would have 3 options , a cash payout - end of story , we get quotes for all work , or we give the keys to them - and pick the wallpaper.
If we take the cash option , is there any room to haggle ?
Anyone have any experience in either option ?
