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Subsidence at your home can be
catastrophic and put at risk what for most people is
their most valuable asset.
Before the insurance company will
accept that you have a valid claim, there will need
to be extensive site investigations such as trial
holes, soil tests, drainage tests and monitoring
that can go on for months or even years. Throughout
this period, you have to endure the distress of
seeing your home literally falling apart around you.
Many issues need to be addressed,
such as:
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How long will it all take?
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Who decides what work needs to
be carried out?
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Do you have to use the
insurance company's surveyors, engineers and
contractors?
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How will you know if the work
is being carried out correctly?
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Who will co-ordinate and
present the claim and deal with the daily
telephone calls, meetings with the insurance
company, loss adjuster, surveyors, engineers,
contractors and suppliers etc?
Unless you appoint a claims
consultant like Morgan Clark, you as the
policyholder are responsible for all of the above -
and a lot more besides.
Don't forget - the loss adjuster
works for the insurance company and is only
interested in looking at the costs once they have
been presented to him. He is not responsible
for preparing your claim. Even if outwardly friendly
and helpful, the loss adjuster reports to the
insurance company and must settle the claim as
economically as he can. Unless you happen to be an
insurance expert yourself, you simply won't know
whether what he is telling you is correct or not, or
whether you are getting what you're entitled to.
With some insurance companies
reporting 300% increases in new subsidence claims
following last year's record summer, they are
becoming more and more reluctant to pay for
underpinning (strengthening the foundations to
prevent further movement), opting instead for
cosmetic repairs in the hope that the problem won't
recur. It is not unknown for insurance companies to
'patch up' properties two or even three times before
finally accepting their obligations to solve the
cause of the problem.
Engaging specialists like Morgan
Clark to look after your interests is the only way
you can be truly sure that you receive your full
entitlement. Please
click here for further details of our Claims
Management service.
For a no obligation review of your
claim by an experienced consultant, please call us
on 0800 0975156 right now, or take a minute to
complete our online
enquiry
form. |
