Insurance Claim going in...

Ouch! bit of a nightmare all the same, hope it gets fixed soon!

Yep it looks a bit wrong though due to the chewing of the walls by amber. But hey ho and all that she did not chew the copper pipe on the radiator and thats what leaked. Its just a shame though the carpet is only 3 years old. As we got it fitted when we did up the house.

But cross fingers the pups teath will be gone and the hall will be all posh for christmas

Good luck, hope they sort it for you. That's what insurance is for, not just to make insurance companies richer!

HI Fiona,

if you need any advice on insurance and what they will cover, i work for a building company deal with insurance claims day in day out so know whats covered and whats not. Have you got a network/contractor allocated by your insurer dealing with this?

First things first though, have you fixed the leaking radiator?

Secondly, Is your hall, stairs and landing continuous all the way through with no breaks or dado rails?

Thirdly, you will have 2 excesses to pay as your carpet will come under the contents and the decorating will come under your buildings.

Thank you yes I have some questions, please any help appreciated

Yes to all your questions

The assesor has come out this morning. We pulled back the carpet last night and the underlay is still damp and you can see where the carpet grippers are they are still damp and are black iykwim

Hubster fixed the radiator so cross fingers no more leaks

The hall continues from the kitchen to the front door up the stairs to the landing. All the carpets match, and all the decorating matches they are all solid walls no breaks in the decorating and no handrail on the wall against the stairs

TIA for advise

The carpet company are coming out tomorrow to give us a quote for the insurance

Then its just the decorator

HI,

From what you've said, you should get all the hall stairs and landing done.

Do you know if the water has gone under the underlay to the floorboards? I cant really say much about the carpet as that would come under your contents insurance. The decorating will come under your buildings. I only tend to deal with the buildings side of the claims so i cant really comment on that.

Has a particular decorator been assigned to deal with it?

Thank you so much, we have been asked 2 get 2 quotes for carpet and decorates which we are in the process of doing and a report of chemdry who I know as we use him from work. He came Monday night to look at it. He is now coming this afternoon and will charge us for the report, can this be claimed back through the insurance? As they have asked us to get it?

We have pulled back the carpet and yes, the underlay has been spoilt. Also you can see on the carpets grippers they are extremly wet and black. We do not have floorboards in the hallway it is solid concrete.

We have also been told now to take up the carpet by the assesor in the hallway

TIA

We use chemdry at work. Like i said earlier, i dont tend to deal with contents claims, which is what your carpets will come under, so i cant really advise on that - sorry. Speak to your insurer - they will be able to advise you better on that. But, I would find out why you have to pay for the report! The only thing you should ever have to pay on a claim should be your excess. Is the concrete wet? If so, are they leaving dryers?

Do you want to do the works yourself or have someone else do it for you. If you have the contractor from your insurer do the works, the works should come with a 12 month guarentee.

Thanks took up the carpet as chemdry said it delaminating. Anyway when we did the unlay was soaking and breaking up, once removed the floor covering is soaking.

So h parents are bringing us a demidifier today to help dry is out

At least the smell has gone now must have been the underlay

Took lots of pictures though