Home insurance - Damage caused by contractor
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If the cause of the damage is in dispute, you and the contractor might agree to get an expert opinion from someone qualified in the field, who is uninvolved in the dispute and who will put their findings in writing. You can share the cost of the report and agree in advance that you’ll be both be bound by the expert’s opinion. If the report is favourable to you, it will be useful in court if the contractor still refuses to make good the damage. If this means of settling the dispute is unavailable you may have to seek redress through the courts. The Citizen's Advice Bureau can advise you on this course of action.
Keep a record and photographic evidence of the damage as it can be used as supporting evidence. resolver recommends that you submit your concerns to each party in writing and resolver can assist you in submitting, recording and reminding you when and who to escalate to.
Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.
You should know
- If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.
If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.
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