Insurance Claim

Chunkylad

Chunkylad

Well-known member
Anyone on here got any experience in dealing with Insurers?

We had a water leak and I have 2 quotes from contractors both around £7k for all the work involved.

Churchill are saying they’ll only pay £4k as they want more detail than the contractors want to give (and they’ve provided very detailed quotes and answered their questions).
Or they’ll send their contractors in.

Any clever options here?
 
Chunkylad said:
Anyone on here got any experience in dealing with Insurers?

We had a water leak and I have 2 quotes from contractors both around £7k for all the work involved.

Churchill are saying they’ll only pay £4k as they want more detail than the contractors want to give (and they’ve provided very detailed quotes and answered their questions).
Or they’ll send their contractors in.

Any clever options here?
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Tell them to send their own guys round. 👍
 
Another thing Chunky, one of my other daughters had a major flood due to a burst pipe. Her and her family had to stay out of the house for nearly3 months while it dried out . The insurance company sorted everything . It cost well over 30 grand by the time everything had been replaced. Just be truthful with them and they will sort the lot out, guaranteed.
 
Sounds about right to let them sort it out, alternatively appoint your own loss assessor, if you go down this route do it now.
 
They do it to force you down the route of using their contractors as they get rates no one else would be offered. At least if their contractor does it they will also be on the hook if the work isn’t up to scratch.
 
Get a loss adjuster on the case. I had a leak from shower, was looking to claim few hundred. He got me over 10k, amazing all the stuff he claimed for I never even considered. He submitted everything, did all the chasing. I had to pay him a percentage when money came through, but well worth while. Have used him again since.
 
Ive had a motor ins claim with Churchill they dealt with everything verry well so much so all our Ins is now with them
 
Leaks can cause you problems further down the line if not dealt with properly. I wouldn’t trust any insurer to do anything other than limit the cost of the claim.

Appoint a loss assessor and let them handle it on your behalf, unless you are 100% confident of all the repairs that are needed…
 
Definitely let the insurer deal with it.

If you fix it yourself and there’s an issue in the future it could be a pain. There will be clause somewhere that says you should have used an approved repairer and if you don’t you’re liable so just stick with them.

Also keep track of the insurer who fixed it in case there’s a issue down the line.
 
Let the insurers do it. It’s what you’ve been paying them for, yes?
I assume you’ll have the first £100 or so to stump up for?
Then when they’ve fixed it, you have further rights in the event of it not being perfect.
 
Get a loss assessor on your side now Churchill will short change you like every insurance company and their hired hand loss adjusters always try to do
 
BFC_BFC_BFC said:
Leaks can cause you problems further down the line if not dealt with properly. I wouldn’t trust any insurer to do anything other than limit the cost of the claim.

Appoint a loss assessor and let them handle it on your behalf, unless you are 100% confident of all the repairs that are needed…
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I work for a large insurance company in claims. I don’t claim to be an industry expert, but I can tell you that while they do want you to use their approved repairers due to preferential rates, my company at least, 100% do not try to limit the cost of the claim in any other way, they want it right and no need to deal with disputes afterwards. It’s not worth the comeback if a job isn’t done properly, so personally, I would always do what people above have said and let the insurer sort it out.
 
hills98 said:
I work for a large insurance company in claims. I don’t claim to be an industry expert, but I can tell you that while they do want you to use their approved repairers due to preferential rates, my company at least, 100% do not try to limit the cost of the claim in any other way, they want it right and no need to deal with disputes afterwards. It’s not worth the comeback if a job isn’t done properly, so personally, I would always do what people above have said and let the insurer sort it out.
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Not in my experience they don’t… They’ll seek to palm you off with lower grade products and fail to acknowledge or manage the full extent of works that are required.

I’d never trust an insurance company to right by their client.
 
BFC_BFC_BFC said:
Not in my experience they don’t… They’ll seek to palm you off with lower grade products and fail to acknowledge or manage the full extent of works that are required.

I’d never trust an insurance company to right by their client.
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Sorry you’ve had bad experiences and as I say, I’m not an industry expert (I’m IT); I can only speak for my company, but I’m lucky enough to sit in the meetings where claim policy is set and 100% they don’t cut corners with repair and in fact, I’ve been surprised to find that genuinely, customer experience is front and centre. Tactics come in to play with lawyers, suppliers etc and that’s all a war zone of groups trying to leech money from the insurance industry with some shocking practices that these people freely admit to when challenged, which left my jaw on the floor. Shameless. Faking damage to vehicles, adding bogus injuries, mental hardship claims. Bad stuff.
 
hills98 said:
Sorry you’ve had bad experiences and as I say, I’m not an industry expert (I’m IT); I can only speak for my company, but I’m lucky enough to sit in the meetings where claim policy is set and 100% they don’t cut corners with repair and in fact, I’ve been surprised to find that genuinely, customer experience is front and centre. Tactics come in to play with lawyers, suppliers etc and that’s all a war zone of groups trying to leech money from the insurance industry with some shocking practices that these people freely admit to when challenged, which left my jaw on the floor. Shameless. Faking damage to vehicles, adding bogus injuries, mental hardship claims. Bad stuff.
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I’d be interested to know who you work for?
 
hills98 said:
Sorry you’ve had bad experiences and as I say, I’m not an industry expert (I’m IT); I can only speak for my company, but I’m lucky enough to sit in the meetings where claim policy is set and 100% they don’t cut corners with repair and in fact, I’ve been surprised to find that genuinely, customer experience is front and centre. Tactics come in to play with lawyers, suppliers etc and that’s all a war zone of groups trying to leech money from the insurance industry with some shocking practices that these people freely admit to when challenged, which left my jaw on the floor. Shameless. Faking damage to vehicles, adding bogus injuries, mental hardship claims. Bad stuff.
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If there was that much fraud the jails would be full, it’s a myth perpetrated by the back street bookie insurance companies
 
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