home insurance

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With a lot of trade contributing to these boards I was wondering if anyone had any advice in terms of what insurer to pick for buildings and contents insurance.
I'm after an insurer which has a reputable network of repairers, not necessarily the cheapest.

Any ideas/experiences?

thnks
 
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I have found that people who have to rely on insurance work are not always the best (no slight meant to anyone on here).
You can always demand your own guy does the work and to be honest insurance work prices are usually always inflated.
More than are doing one just now that if you take both and don`t claim then you get your contents insurance for nothing untill a claim is made
 
I once did some work with a building company, which specialised in insurance work. They did great jobs. They were referred to the jobs directly by the insurers via fax. I went in a few houses with seemingly small damage to a ceiling, for instance, from a water leak. They would pull down the whole ceiling, coving, and redecorate the whole room, then artex the ceiling too, and replace any of the lower chipboard floor that needed it. They had about 20 tradesmen.

I went in one nearly new house, that had had a water leak on the GF. Work had already started. The whole of the GF chipboard floor was up. If this had been an old house, a few boards would have been replaced locally to the leak, but because this house had a floating chipboard floor on polystyrene, the whole lot had to be replaced. A great waste. Makes me wonder if the new technology in building is really worth it.

Another instance was a pan fire scene, it had only damaged a few cabinets, first thought was to get new cabinets. No longer made. So the whole kitchen had to be replaced, worktops, doors, cabinets to match. :rolleyes:

We also came across a couple of jobs where our first words when we set foot outside were "bloody insurance fraud"
 
Steve the reasoning to rip out everything is simple

It is called CYA as the insurance companies now are starting to realize how lawyers are on the prowl and thus a tiny leak under the floor boards or in a wall space may cause mold and this new "toxic" is a gold mine for litigation

Asbestos is old and so is oil spills Mold is the new money maker for lawyers and experts are mold clean up.

So rather then risk more suits it is cheaper to just replace everything
 
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Martin Lewis's site gives some good advice about insurance.

Such as rebuilding cost is far less than the value of the house, so you only need to get approx 80%. there are some good comparason sites there too.

Mine was 270 from swinton & have manage to get that down to 150 via that site.
 
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