Home insurance - Problems after home damaged by fire
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If you are unable to return to your home and you can’t stay with friends or relatives your insurance company may cover the cost of bed and breakfast or hotel accommodation. If you are going to be out of your property for some time you may want to find rented accommodation. Local housing agencies will have a list of accommodation. Most insurance companies will be able to give you an emergency payment to cover items for everyday living such as clothing - this will be taken off the final settlement. Make sure you keep in contact with your insurance company regularly to make sure the work carried out is covered by your policy. Don’t be tempted to dispose of items that appear to be beyond repair until you have agreed this with your loss adjuster.
Your insurers will give you advice and may have a list of companies they deal with to help you and make the whole process as stress-free as possible. Be aware that by making a claim on your insurance, your renewal premiums will most likely increase and you will lose any no claims bonuses you may have accrued. resolver recommends that you submit any concerns to your insurer 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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