iscritto - thanks for those links - definitely not our responsibility - it was the mains pipe out on the road that burst - the water ran down the road, through a field and burst through into the wall at the side of the house then into the house.
Ravima - I am reluctant to put a claim in with our own insurance as the council is liable for the damage and surely their insurance should pay? If I put in a claim I lose my no claims bonus and no doubt my premiums would go up - for something that is 100% not my fault
I really dont agree with this. The council were out on Saturday and admitted liability. They are responsible for maintaining the mains water pipes. If a pipe bursts and floods my property is that not why they have public liability insurance? I rang my insurance company first thing on Monday morning and they told us not to put in a claim if the council had admitted liability. Is there anyone to give advice who actually works in insurance?
Michael3,
I agree with you, why should you claim through your own house insurance and effect your no claims etc, as from the links above the council are responsible.... not at fault but responsible. ( that bit is important)
So you don't need to prove anything... they just need to send an assessor to view the damage... take some pics yourself also.
Best of luck you will have a fight on your hands, as with the council nothing is ever easy.
The Council have passed on all the details to their insurance company who have been in contact with me and have agreed to process the claim. Their own assessor is coming out to the property asap. So that's good news in that respect.
Just wanted to give an update here - good news. Assessor came out, took photos, we submitted details of damage and replacement values etc - claim is now being processed and we should be compensated for the replacement value of damaged items and rebuilding works required asap.
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