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K | Home insurance claim - advice please? |
Hi. I am making a claim for accidental damage caused in my kitchen Basically I had a plumbing accident and the kitchen was flooded destroying my lino flooring and causing water damage to kitchen units. My insurer has given me two choices. 1) let their contractor assess and repair the damage, 2) I can appoint my own contractors, forward my insurer quotes and insurer will send me a cheque.
My question is which option should I go for? Option 1 or 2? I have never claimed on home insurence before.
Thank you |
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MSAD
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Either will work.
However, if you don't have a contractor that you know and trust - might as well let the one on the insurance company list do the work. Why would you think picking some company's name out of a phone book will get you a better result?
Usually the contractors on the insurance company list specialize in this type of work and the insurance company will guarantee these repairs. The insurance company will not guarantee the repairs of a contractor you hire.
These contractors are not employees of the insurance company. They are usually an approved list. These contractors get on the list by having a good reputation and meeting certain guidelines for quality and value. And if their work quality drops -- they get dropped which can mean the loss of a lot of money to them. The contractor's don't want that. The insurance company is like any other consumer -- they want good quality work at a fair price. |
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Casino Rob
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If you have a preferred contractor who you are confident can do the repair works to a good standard then by all means choose them. If you have no contractor in mind then by all means let the insurance company appoint one of their own contractors - it'll save you the bother of having to sort the quotes, repairs, etc. |
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dels replies
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I had a similar occurrence. But part was covered by contents insurance and part by buildings cover. The insurance co dealt with each separately through different companies. I got me own estimates , two for each part of the claim, An assessor called , Then two estimates were accepted. The ins, co sent me two cheques. The jobs were done, The building bit first then the contents and I settled the bills, The only contractor the ins c. arranged was a firm with fans and humidifier things to dry out before repairs could commence. They paid for that. The central heating fault that was the cause of the trouble was put right under a maintenance contract already in force with my heating firm A seemed OK to me , Job done and paid for |
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JOHN H
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Let the insurance company do all the work for you,
That's what you are paying for, Do not take the risk of Vetting and Qualifying Builders to do the work for you , How do you know what you are getting, also if they do a botched job it will be difficult to get them back.
your insurance company however has more power with the builder as they will be an approved contractor for this type of work... Good luck |
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FM is going away.
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go for option 2.
You are lucky I've had bad storm damage, wind blew some fascia off my balcony and my insurers don't want to know. I got a load of pigeons nesting in there and it's a health hazzard. who's your insurance company.? |
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crazzinjunsmith56
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wow i let the insurance people handle it. it depends on how you feel about the person your talkin to, then the contractor asked me my deductible and he said hed over bid the job by that amount so i wouldnt have to pay any of it, and if some did come owed the contractor said hed take what the insurance compant paid as payment in full. cjhs |
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April
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Usually, I would recommend you get your own contractor with their estimates. This assumes you either know a good contractor or have a recommendation from a friend for a good contractor. Don't forget you will have a deductible so if the estimate is $2000 and your deductible is $500, the check would be for $1500. Also, depreciation (based on the age of the flooring - and your insurance policy) may apply. Good luck! |
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Whistleblower
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Either option is okay, 1st one more secure, less hassle, 2nd option is okay if you know someone that can do it & correctly and if you go for this one you will not be able to "adjust" the monies / cheque to suit. Your insurers may also review the quotes you get as well. |
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boxer
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i think u need analynize it carefully before making an appropiate answer - after thinking carefully i still cannot choose
hahahaa how did u get a plumbing accident? did u hack the water pipe lol? or the toilet pipe lol? and all the dirreaha came out? seriously just be careful in the future - next time find a plumber and prevent the temptation of fixing it urself |
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