Why not agree with insurer that repairer will submit invoice direct to them for payment. That way, you don't have to fund any shortfall and repaired is guaranteed his payment (less policy excess).
In many cases, the retention is never claimed. Why? Perhaps the insurer wore the policyholder down and they have simply give up, or possibly, the job was completed for a cheaper price anyway. In Ireland, we have an expectation of making easy money on insurance claims. It is this that is helping to drive up prices. This in turn then tempts more to try to make easy money, driving up prices so it is a never ending hamster wheel.
I disagree that insurers 'stall, delay and impede the process'. Insurers are bound under central bank CPC to be 'fair'. If they are not 'fair' in their dealings with policyholders, complaints can be made and sanctions imposed by Central Bank. I am aware that if asked, some insurers will pay the repairer direct. Others will at random call out to inspect the completed repairs to ensure that they have been carried out to the agreed specification and if a less expensive repair was done, the settlement figure will be adjusted downwards or at worst, the entire claim may be voided on grounds of fraud.
I note your point that you are simply drawing this new condition to peoples attention. As peteb says, it is the norm with most insurers now.
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