insurance claim

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    insurance claim


    I have had water damage to a property. The claim started over 1 month ago, we send photos and documents.

    The insurer initially accepted that water damage to chipboard and cabinetry can be claimed but did not send a loss adjustor.

    After one month we started redecorating as the cabinet was rotting and we needed another tenant to move in as the insurance was taking a while to go through. Only now have they said they want to send a loss adjuster.... over 1 month later. obviously the flat is redecorated and new tenants in situ.

    Is this acceptable?

    Obviously unacceptable that the insurers have taken so long to send a loss adjuster however before any work was initiated, you should have cleared it with the insurer first. If the property was uninhabitable due to the water damage then the claim could have extended to provide loss of rent cover if you had this on your policy.

    Without knowing their claims rules and procedures there is little help that can be offered here but if you run into trouble in the fact you have now redecorated, I would stand your ground that their lack of urgency or letting you know where you stood with the claim left you with no choice. Hopefully they will see that it took too long for them to respond and an amicable solution is found.
    Steve Smith - Company Director at a leading Landlord Insurance broker with 20+ years experience in the industry
    LandlordZONE Verified Poster and Topic Expert for Landlords Insurance since 2009
    See my profile for contact details


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    • A slightly more complicated water damage issue

      I own and am the landlord of a flat. The flat below is landlord owned and has tenants, the flat below them is owner occupied

      There has been an issue with a leak from the flat below mine into the flat below his, it has caused damage to the bathrooms in both flats....
      20-03-2019, 21:10 PM
    • Reply to A slightly more complicated water damage issue
      It's one of those situations where the widely held belief, that it's always the responsibility of whoever had the leak who ends up paying for the damage, is wrong.
      But it's so widely held that lots of people pay out and it starts to become true.
      22-03-2019, 15:04 PM
    • Reply to A slightly more complicated water damage issue
      If its a leak from radiator and went though 2 flats and is visable im sure you will have noticed, you would have had to top boiler up and bleed radiators. Hes trying it on already said hasn't got insurance so hes blaming you
      21-03-2019, 18:43 PM
    • Reply to A slightly more complicated water damage issue
      Thanks very much, I'm going round to have a look this evening, and I'll be calling a plumber tomorrow and speaking to the insurance company once I've spoken to the plumber

      the flat below and is already talking about who pays and the flat below them is talking about liability already....
      21-03-2019, 17:10 PM
    • Reply to A slightly more complicated water damage issue
      There's no default liability for a leak.
      Leaks happen, and unless there's been either negligence or a deliberate act to cause the leak, the question of liability doesn't arise.
      And as there isn't really anything anyone can do to "maintain" pipework, negligence is a bit of a stretch....
      21-03-2019, 14:34 PM
    • Reply to A slightly more complicated water damage issue
      You can get a leak from a bedroom if the bedroom has a radiator. I have experience of a leaking central heating pipe under floorboards causing damage to a room below. It was a real pain to find as at first it appeared to be penetrating damp. You can also get leaks running a fair way under floorboards...
      21-03-2019, 10:29 AM
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    • Reply to Airbnb Insurance cover.
      Airbnb not a problem but as the tenant want to arrange it, it falls under the "sub-letting" category which makes most insurers run a mile. Think you will have trouble getting the cover you need, coupled with other potential issues as per above post, I think this is more hassle than it's w...
      21-03-2019, 10:26 AM
    • Reply to A slightly more complicated water damage issue
      I would just relay everything in your post to your landlord insurer. I do not know the extent of coverage on your insurance policy but things that will help are:

      "Trace and Access" cover which would cover the locating and repairing of the leak
      "Property Owners Liability"...
      21-03-2019, 09:58 AM
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