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Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Insurance & Special Deals for Seniors

Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Postby Pembroke » Sun Aug 06, 2017 10:02 pm

My parents went on holiday for 3 months. A small copper pipe burst from the water tank in the loft after freezing during this time and flooded the house, disaster! My brother was in the house about 4 times over 3 months and had heating on during those days.
There is a 60 day small print rule(parents didn't know about(can't be away for more than 60 days etc), doh!). My Brother was last in house on 58th day so could have happened on 59th or 60th day.
The Insurance company said they would pay whole amount initailly. They got a company in to strip down the place, floorboards, ceiling etc.. and then dry it out..... After paying about 1/9 of costs insurance comapny changed their minds and pulled out and wont pay anymore stating the 60 rule...
The company they got to dry place at start told parents to throw everything out, clothes, furniture, beds etc.. whether it was recoverable or not which they did.
Now they have lost it all.
Looking at about £20000 ++ to repair.
Pembroke
 
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Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Postby Panteno » Mon Aug 07, 2017 5:21 am

If it really is the case that the insurers initially said they'd pay out the claim then I hope you have this in writing or at the very least, I hope there is a recorded call somewhere. I would follow the complaints procedure of the insurers in question and write a letter of complaint disputing their decision to not pay after initially saying they would. Should the insurers own internal complaints process not satisfy you then you can still always write to FSA with your complaint. Always send any letters out recorded delivery.
Panteno
 
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Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Postby Raynor » Mon Aug 07, 2017 11:35 am

First call is go to a solicitor and get them to look into the situation,

There is a law that says contracts have to be fair, so an insurance company cannot just use any excuse to get out of a payment, but the solicitor maybe able to tell you one way or the other.
Raynor
 
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Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Postby Maximiliano » Mon Aug 07, 2017 9:51 pm

If your parents left the house for three months without turning off the water they didn't use the proper precautions to avoid the leak. The rules are different for an unoccupied house than for an occupied house--your parents had an obligation to protect their property by "winterizing"- clearing the pipes and turning the water off.
Furthermore, if the house was unoccupied for that long, they should have made provisions for proper coverage before they took their trip. Your parents are in the wrong. An insurer has the right to investigate and change their response depending upon the circumstances. Too bad. Your parents had a costly lesson.
Maximiliano
 
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Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Postby Chadwik » Tue Aug 08, 2017 9:42 am

Just to say they did have an adjuster come out and do all the official things etc...
Maybe it was a junior guy and someone more senior in the insurance company decided he had made a mistake, just my guess...

They are going to see a lawyer soon, but as you know lawyers aren't cheap.....
So they will want to have as much information as possible beforehand. Hence thought you guys might know something.
Chadwik
 
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Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Postby Doogan » Tue Aug 08, 2017 10:40 am

an insurance company initially accepting the claim unfortunately means nothing.
all they time they investigate and stop claims that have been accepted , even suing to get money back after a claim has been fully settled.in some cases even legal proceeding for fraud.


i dont know what has been said at any interviews you may have had or written on any forms you may have but my advice would be to get down to c.a.b. and if that fails just tell them you or your brother spent several days here and there over the 3 months cleaning , checking things out etc and lie through your teeth. that way the 60 day unoccupied will be broken , just say you didn't realise at the time that it was the house being unoccupied not just your parents absence for 60 days

best of luck anyway ..........insurence companies are ***'s
Doogan
 
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Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Postby Karlens » Thu Aug 10, 2017 7:54 pm

I would advise that you seek legal advice from the citizens advice bureau,

If the insurance company as already agreed to do the work and you have already had a company in to start the work, then its sounds to me that the have accepted the claim.

But do seek legal advice please:

On any insurance claim the first thing some insurance company's do is to find a loop hole to get out of paying out the costs.

Good luck,

Lets us know how you get on, its called pooling information, what you do may help others.
Karlens
 
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Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Postby Palban » Sun Aug 13, 2017 5:17 pm

Always read the small print.

An expensive lesson for your parents im afraid, they should have known better
Palban
 
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Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Postby Delrico » Sun Aug 13, 2017 5:37 pm

The 60 day rule will probably stand unless you can prove that the house was occupied within that timescale - a visit - in and out may not count.

All insurance policies have this clause in them.

Sorry to be the bearer of bad news but this may not get paid - the only way you can possibly get around it is by CAB or legal means, IF you can prove that they initially said they would pay up.
Delrico
 
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Water Tank Pipe Burst And Flooded House, Now Insurance Company Wont Pay Up, Any Advise...??

Postby Aryo » Fri Aug 18, 2017 4:34 am

Not quite sure in your neck of the woods,but if they started it (assuming they had an adjuster come out )it would've already been approved?
Aryo
 
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