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.
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If you can't resolve your issue within 8 weeks of making your complaint (or if you've received a 'deadlock letter' or final decision from the company), you can escalate your case to the Ombudsman.
Your complaint has to be less than 9 months old to be escalated to the Ombudsman.
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