I will leave aside the quantum argument I am having with them for the moment.
I cannot answer your first question but I'm currently doing an insurance claim myself, and we are also in the wars, my roofer went out with his men during the xmas holidays, you can just imagine, sent his bill directly to them, (I authorised him to deal direct as I don't want a loss assessor as the last time I used them I was out of pocket) but they have just plucked a percentage off the bill and say they are not paying it. My roofer is really cross. And I'm vexed.
There is a cash flow issue for one, the policy does not have on obligation of proof of expenditure so why do I have to justify what I choose to spend once the liability is assumed by the insurer.
The work is done as it took months for them to accept liability whereas there was no option but to undertake the repairs as more damage would have occurred, the amount offered is lower so as of now I not only have to argue the amount but also the staging of the payments...to my mind once the liability is assumed and they have made an offer that should be it, it will be noted on all future policies and will be a loading on the premium or an exclusion
There is a cash flow issue for one, the policy does not have on obligation of proof of expenditure so why do I have to justify what I choose to spend once the liability is assumed by the insurer.
The work is done as it took months for them to accept liability whereas there was no option but to undertake the repairs as more damage would have occurred, the amount offered is lower so as of now I not only have to argue the amount but also the staging of the payments...to my mind once the liability is assumed and they have made an offer that should be it, it will be noted on all future policies and will be a loading on the premium or an exclusion
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