Last year I contacted by Home insurance company for a subsidence. They sent a loss adjustor around and he gave me to understand that it would not be covered (reasons were given) although this had to be confirmed. As my loss assessor and his engineers were slow in their investigations, the matter dragged on into the New Year. Meanwhile another incident has occurred: an oil spill (unfortunately) is located close to where the subsidence is happening.
The Insurance company were contacted and they sent a (new) Loss Adjustor to assess the damage and he is aware of both problems. The Loss Adjustor organised a team of inspectors and came around too to write his report. He is now waiting for the tests and a report from the soil contaminant experts before a decision is arrived at. Its not clear at this point whether the insurance company will cover the costs associated with the damage and I am not sure if I need a Loss Assessor? Assuming the insurance company cover the costs, need I concern myself how its done and who does it. Surely the insurance company are obliged to ensure that works carried out are done correctly, guaranteed and signed off to their satisfaction? All comments welcome!
The Insurance company were contacted and they sent a (new) Loss Adjustor to assess the damage and he is aware of both problems. The Loss Adjustor organised a team of inspectors and came around too to write his report. He is now waiting for the tests and a report from the soil contaminant experts before a decision is arrived at. Its not clear at this point whether the insurance company will cover the costs associated with the damage and I am not sure if I need a Loss Assessor? Assuming the insurance company cover the costs, need I concern myself how its done and who does it. Surely the insurance company are obliged to ensure that works carried out are done correctly, guaranteed and signed off to their satisfaction? All comments welcome!