Just when I thought everything was sorted until I could get the pipework tidied up after Xmas, I got an email from the upstairs flat owner, 'My insurers say your damage is nothing to do with them and tney are refusing to meet the costs. You'll have to contact your own insurers'!!! Suspect that his insurers have declined his claim ...
My reply, minus the expletives, was to remind the upstairs flat owner that, at the time of the flood, I was sitting in my lounge with the heating from a newly serviced boiler switched on, and the fault lay with his Water Tank and his Scottish Gas condemned Boiler being out of commission. I said that no fault lay with me, and I would not end up out of pocket financially, so if we ended up in Court, I would be happy to instruct solicitors to recover all costs, including policy excesses and loss of NCB. Bloody annoyed that I have lost a week when I could have asked my insurers to organise contractors. Loss Adjusters et al
I spent most of the afternoon on the phone to my insurers, who have recorded a claim under my policy, and I may get a response from the Claims Team between Xmas and New Year, My insurers require the policy excess up front [£450 Water escape compulsory excess + £200 voluntary excess] so I asked the upstairs flat owner for this sum and he has paid it this evening. Will have to wait to see if my claim is accepted for the offence of living below a head of Richard. If any problems, it'll be straight over to the solicitors
Steve