How do I dispute an insurance offer from a house insurance company?
July 17, 2010 - 12:10 am
I have recently moved into a new house and have had an infestation of mould as the house was not dried out properly before it was sold.
The building company have reffered me to their insurance company who requested photo’s of everything. We sent photos of what we have and explained why we didnt have photos for all.
They have come back with an offer of half of what we need to replace everything. They have not even offered the sum of what we have photos for.
Can someone please point me in the right direction of a template letter to dispute their offer?
Why are you dealing with the building company’s insurance company?
You should have your own buildings insurance and you should refer this to your own insurers.
July 17th, 2010 at 5:45 am
If you’re not willing to accept what the builder’s insurer offers, you may have to sue the builder.
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July 17th, 2010 at 6:04 am
Why are you dealing with the building company’s insurance company?
You should have your own buildings insurance and you should refer this to your own insurers.
References :
July 17th, 2010 at 6:52 am
Contact the Department of Insurance in your state for help.
A link is below.
And, you might repost your question under "real estate".
References :
https://www.aipso.com/links.asp
July 17th, 2010 at 7:27 am
Not sure of how the letter should start, but you should definetly include receipts or bank statements for what you lost. You may be able to go back to the store, where you made your purchases, for a duplicate receipt.
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July 17th, 2010 at 7:42 am
A template letter won’t help you. Contact the company by letter, ask for a breakdown of what they are paying for each individual item, and if you think the offers are too low then ask them to prove their estimates. When there is water/moisture damage an insurer would normally send someone round to look at the problem – it is not common practice to deal with this sort of claim by photographic evidence. However, if they have dealt with it by photos only, and you couldn’t provide photos of everything, then they will only pay out on what you can prove. Insurers don’t generally pay out for goods that you can’t prove you had.
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July 17th, 2010 at 8:14 am
try dispute solicitors on the net. or ombudsman.
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July 17th, 2010 at 8:41 am
Why have they not sent a Surveyor round to assess damage? Have you Buildings Insurance of your own? Contact your own Insurers as they should be sorting out any claim. Have you got a mortgage on the property? If you have Building Society Surveyor should have found damage & pointed it out to you.
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July 17th, 2010 at 9:00 am
I suspect that you will find that mould is not covered as it tends to be an exclusion under most insurance policies.
If you may have a claim against the builder or possibly the surveyor, if you had a full survey.
References :
Insurance Broker with 30 years experience
http://www.macbeths.co.uk