See how ClaimRite has helped with managing property insurance claims
Mr Taylor – Malicious damage, someone broke into his property and vandalised it, as well as stealing copper piping.
Compile a Repair Schedule
Send Report to Insurers
Insurers inspect and also cost the Repair
Agree Costs with Insurers and Get Fully Repaired
How We Helped
We received a call from the landlord to advise that his tenant had been evicted from the property. It was found that the property had been damaged substantially. It was reported to the police and found that the property had been broken into. The thief had ripped out the kitchen units, panels, floorboards and wardrobes, only to remove all copper piping and electrical wiring from the property including the boiler.
We attended the property to carry out our survey and costed the repairs to be £21,997.16. As we were dealing with the claim in its entirety, we reported the claim to the insurers who appointed a loss adjuster to attend. He attended the property and agreed with most of our findings except a full re-wire and plumber to the property stating the client was being put in a better financial position before the incident happened.
We advised that should these works not be carried out, safety certificates for the electrical and plumbing work could not be issued. Also, the works guaranteed against faults due to new components being fitted to old ones. The client was not financially better off as the works formed part of standard building regulations and needed to be done to make the property safe. The loss adjuster was only willing to offer £16,762.00
Insurance will only cover you to put you back into the same financial position. If you are benefitting from any works, this is called betterment and is something that is not covered under the policy. Whilst the client would have benefited from a new re-wire and heating system, this is work that had to be done under building regulations. The client would have had to have pay thousands for this work through no fault of his own.
We argued the case with the loss adjuster who advised he will agree to the initial works and authorised our full costs meaning all the client had to contribute was his policy excess
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