NotoriousREV

We're trying to claim to have water damage reparied following a series of leaks from our en suite shower. We've had it diagnosed by a couple of builders as being the supply water pipes or the booster pump, both of which are behind the wall and therefore inaccessible without ripping the tiles off and the plasterboard out so both said they'd only be sure once they took the wall out. When the shower is run, water literally pours out through 2 places in the ceiling below (you can hear it trickling before it starts to come through).

Loss adjuster turns up, shines a torch under the shower tray and diagnoses it as bad grout between the tiles, that the water is what's soaking through the wall and says they won't pay out He didn't even run the water and wouldn't accept how much water comes though.

Luckily, he's put in writing that he's checked the supply pipe. Tomorrow I'm going to try and get him sacked for lying.

The Chief

Better still ring him and tell him he's lying and by not paying out you believe he is commiting fraud, tell him if he does not pay out you will ring the insurance ombudsman and the police to report him you will insist on them making an arrest and a conviction for fraud

Suresh

Quality. Serves the bugger right for fcking with Scoobynet!

Sonic'

Have you seen the film Casino and the scene near the end with Joe Pesci in the Desert

Thats what was running through my mind when the loss adjuster came to visit me at the house, after he said that because I had more stuff in my house than what my contents covered they wont pay out on the stuff stolen from my seperate detached garage (which had its own cover)

fast bloke

It states that on your policy. Get a decent policy that increases over time (as you would naturally buy more stuff)

Actually, they should pay out a proportionate amount, but many insurers don't.

Similar to insuring your car for 500 miles a year, then covering 40000. If you tell the insurer everything upfront, they will cover the risk. If you want a reduced premium for not telling them the reality, why should you expect them to hold up their side of the deal when you obviously fell down on yours?

Sonic'

My house insurance at the time had no allowance or option to increase the contents cover, so they actually have no choice but to pay out, proportionally or otherwise

That was my argument and I won

He was also way way way over estimating the price of replacement items, in feeble attempt to try and increase the value of my contents to try and make sure I wouldnt be covered, but on that token what has my house contents got to do with my garage contents when they arent even near each other

Well Rev, did you get him sacked or not

NotoriousREV

I have to wait for him to file his report (which he should have done last night).

Apparently, he told MrsREV that we'd have to have the plaster in the ceiling checked for asbestos before having any work done. Our house was built in 1991. I'm no building expert but I'm fairly certain that asbestos was not routinely being used in artex in 1991 by Redrow.

Sacking's too good for him. I sentence him to a lifetime working in the insurance industry. I did however praise him for his x-ray vision and ability to determine the root cause of a leak hidden behind a wall with just a torch and without turning a tap on.

mart360

We had a wan*er like that,

came and looked at out kithchen & bathrom floors which had blown due to crap building materials.

accepted the bathroom floor was sh*te but wouldn't accept the kitchen floor without investigation,

he than went onto say if the investigation found nothing, they wouldn't pay out,

I mentioned that they would have to make good following any investigation, and the daft chump started giving me a lecture on flooring saying that they would only make good the section where they had investigated.

he couldn't understand the concept of a floating floor, his idea of making good, was to cut out the section and drop a new piece in... lol


when i questioned what his background was with regards to building work he went off on one saying he was the qualified loss adjuster.

he shut his mouth when i pointed out i had built and installed kitchens when i was younger, and explained how a floating floor worked.


they paid up

Mart