Water container pipe burst and flooded house, presently insurance company wont discharge up, any support...??
My parents went on holiday for 3 months. A small copper pipe burst from the water cistern in the loft after freezing during this time and flooded the house, disaster! My brother was contained by the house about 4 times over 3 months and had heat on during those days. There is a 60 day small print rule(parents didn't know about(can't be away for more than 60 days etc), doh!). My Brother was ending in house on 58th day so could own happened on 59th or 60th day. The Insurance company said they would wage whole amount initailly. They got a company contained by to strip down the place, floorboards, ceiling etc.. and then dry it out..... After paying about 1/9 of costs insurance comapny changed their minds and pulled out and wont pay envelope anymore stating the 60 rule... The company they got to dry place at start told parents to throw everything out, clothes, furniture, beds etc.. whether it be recoverable or not which they did. Now they have lost it all. Looking at give or take a few lb20000 ++ to repair.
Answers:
The real answer to this is. Did your parents win advice from the person who arranged the policy? If they bought online or through a direct company after it was up to them to ensure that the policy met their requirements - including cover whilst being away more than 60 days.
If your parents requested direction and told the broker that they needed a policy to provide this cover then it was up to the broker to recommend a policy providing this cover. If they made a mistake your parents could claim from the broker for negligence.
If your parents requested counsel and the broker did not ask whether the property would be unoccupied then life get interesting. A broker has to make acceptable efforts to find out your parents requirements. Would this extend to asking whether the property will be unoccupied? Answer. I don't know - you may be able to attain the FOS to adjudicate.
It all points to one thing. DONT BUY INSURANCE DIRECT! GET A BROKER TO DO IT FOR YOU, Source(s): Insurance Broker.
If it really is the case that the insurers initially said they'd payment out the claim then I hope you have this within writing or at the very least, I hope within is a recorded call somewhere. I would follow the complaints procedure of the insurers contained by question and write a letter of complaint disputing their ruling to not pay after initially saying they would. Should the insurers own internal complaints process not quench you then you can still always write to FSA next to your complaint. Always send any letters out record delivery.
Not quite sure in your collar of the woods,but if they started it (assuming they had an adjuster come out )it would've already been approved?
First call is be in motion to a solicitor and get them to look into the situation,
There is a law that say contracts have to be fair, so an insurance company cannot of late use any excuse to get out of a payment, but the solicitor perchance able to tell you one course or the other.
If your parents gone the house for three months without turning off the river they didn't use the proper precautions to avoid the leak. The rules are different for an unoccupied house than for an occupied house--your parents have an obligation to protect their property by "winterizing"- clearing the pipes and turning the water bad. Furthermore, if the house was unoccupied for that long, they should have made provisions for proper coverage beforehand they took their trip. Your parents are in the wrong. An insurer has the right to investigate and devolution their response depending upon the circumstances. Too bad. Your parents had a costly lesson. Source(s): retired U,S.Insurance agent
The 60 daytime rule will probably stand unless you can prove that the house was occupied in that timescale - a visit - in and out may not count.
All insurance policies own this clause in them.
Sorry to be the bearer of bad report but this may not get paid - the singular way you can possibly get around it is by CAB or court means, IF you can prove that they initially said they would pay up.
I would advise that you seek legally recognized advice from the citizens advice bureau,
If the insurance company as already agreed to do the work and you enjoy already had a company in to start the work, afterwards its sounds to me that the have accepted the claim.
But do hope legal advice please:
On any insurance claim the first item some insurance company's do is to find a loop hole to get out of paying out the costs.
Good luck,
Lets us know how you get on, its call pooling information, what you do may help others.
Always read the small print.
An expensive lesson for your parents im afraid, they should hold known better
an insurance company initially accepting the claim unfortunately funds nothing. all they time they investigate and stop claims that hold been accepted , even suing to go and get money back after a claim has be fully settled.in some cases even legal proceeding for fraud.
i dont know what have been said at any interviews you may have have or written on any forms you may have but my advice would be to win down to c.a.b. and if that fails just relate them you or your brother spent several days here and there over the 3 months cleaning , checking things out etc and lie through your teeth. that method the 60 day unoccupied will be broken , just articulate you didn't realise at the time that it was the house being unoccupied not simply your parents absence for 60 days
best of luck anyway ..........insurence companies are ***'s
Related Questions:
Answers:
The real answer to this is. Did your parents win advice from the person who arranged the policy? If they bought online or through a direct company after it was up to them to ensure that the policy met their requirements - including cover whilst being away more than 60 days.
If your parents requested direction and told the broker that they needed a policy to provide this cover then it was up to the broker to recommend a policy providing this cover. If they made a mistake your parents could claim from the broker for negligence.
If your parents requested counsel and the broker did not ask whether the property would be unoccupied then life get interesting. A broker has to make acceptable efforts to find out your parents requirements. Would this extend to asking whether the property will be unoccupied? Answer. I don't know - you may be able to attain the FOS to adjudicate.
It all points to one thing. DONT BUY INSURANCE DIRECT! GET A BROKER TO DO IT FOR YOU, Source(s): Insurance Broker.
If it really is the case that the insurers initially said they'd payment out the claim then I hope you have this within writing or at the very least, I hope within is a recorded call somewhere. I would follow the complaints procedure of the insurers contained by question and write a letter of complaint disputing their ruling to not pay after initially saying they would. Should the insurers own internal complaints process not quench you then you can still always write to FSA next to your complaint. Always send any letters out record delivery.
Not quite sure in your collar of the woods,but if they started it (assuming they had an adjuster come out )it would've already been approved?
First call is be in motion to a solicitor and get them to look into the situation,
There is a law that say contracts have to be fair, so an insurance company cannot of late use any excuse to get out of a payment, but the solicitor perchance able to tell you one course or the other.
If your parents gone the house for three months without turning off the river they didn't use the proper precautions to avoid the leak. The rules are different for an unoccupied house than for an occupied house--your parents have an obligation to protect their property by "winterizing"- clearing the pipes and turning the water bad. Furthermore, if the house was unoccupied for that long, they should have made provisions for proper coverage beforehand they took their trip. Your parents are in the wrong. An insurer has the right to investigate and devolution their response depending upon the circumstances. Too bad. Your parents had a costly lesson. Source(s): retired U,S.Insurance agent
The 60 daytime rule will probably stand unless you can prove that the house was occupied in that timescale - a visit - in and out may not count.
All insurance policies own this clause in them.
Sorry to be the bearer of bad report but this may not get paid - the singular way you can possibly get around it is by CAB or court means, IF you can prove that they initially said they would pay up.
I would advise that you seek legally recognized advice from the citizens advice bureau,
If the insurance company as already agreed to do the work and you enjoy already had a company in to start the work, afterwards its sounds to me that the have accepted the claim.
But do hope legal advice please:
On any insurance claim the first item some insurance company's do is to find a loop hole to get out of paying out the costs.
Good luck,
Lets us know how you get on, its call pooling information, what you do may help others.
Always read the small print.
An expensive lesson for your parents im afraid, they should hold known better
an insurance company initially accepting the claim unfortunately funds nothing. all they time they investigate and stop claims that hold been accepted , even suing to go and get money back after a claim has be fully settled.in some cases even legal proceeding for fraud.
i dont know what have been said at any interviews you may have have or written on any forms you may have but my advice would be to win down to c.a.b. and if that fails just relate them you or your brother spent several days here and there over the 3 months cleaning , checking things out etc and lie through your teeth. that method the 60 day unoccupied will be broken , just articulate you didn't realise at the time that it was the house being unoccupied not simply your parents absence for 60 days
best of luck anyway ..........insurence companies are ***'s
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