Types of complaints we see
by Admin
Posted on 29-03-2023 11:45 AM
Whilst repairs are carried out, it may not be safe to stay at your property, or there may not be access to essential amenities, so you'll need to move into alternative accommodation. Many policies will cover the reasonable extra costs of temporarily living somewhere else because of damage to your property caused by a flood. When we look at these types of complaints, we'll look at the accommodation you were offered and if it was suitable for your needs, and if any additional costs incurred were reasonable and in proportion to your claim.
We'll consider things like:
when your property was considered unsuitable for you to live in.
Waterproofing rooms below ground level ("Tanking")
Tanking is a heavy-duty form of waterproofing that’s often used in buildings with rooms below the ground or in areas with a high water table. We sometimes see cases where a previously watertight basement room has started to let water in. If there’s evidence the customer should have known their tanking was defective or missing before a flood happened, we may say it was reasonable for you to reject the claim.
Insurers sometimes say the tanking failed because of a "gradually operating cause" which is excluded under the terms of the policy. We’re unlikely to agree that it's fair for you to exclude the claim on this basis, if the damage which occurred is the result of a steady accumulation of water as opposed to the gradual deterioration of the tanking.
https://www.pdla.ie/burst-pipe-/-escape-of-water
Making an insurance claim for flood damage
For general information on what you need to think about when making a claim on your insurance, read about making a claim on your insurance policy. There are steps you can take to help with your claim for flood damage: take photos of any damage to the structure of your property and its contents write a detailed inventory - make a list of your home contents if you haven’t already take a note of the reading on your electricity meter so you can claim back the running costs of commercial dryers phone your insurer to start your claim as soon as possible - there are usually time limits.
When your home is flooded, you need to report flood damage to your home insurance company. However, the easiest way to claim for flood damage is to use pcla to act on your behalf. If you’ve been affected by flooding, contact pcla today.
Getting compensation from an insurance company is rarely easy, especially since insurers often pay claimants as little as possible. Our team of specialists have a vast amount of experience dealing with flood damage insurance claims, so no matter what caused the flooding at your home, we can help. We will help make things easier for you and ensure you get the proper compensation you need to restore your property – we work for you rather than the insurance provider. See how we helped during the blackett close flood here.
We act for clients who are currently in dispute following a claim regarding water damage. We can act for either insurers or the insured party and will provide legal assistance to achieve the best possible outcome for all our clients whether it be for commercial flood damage or general water damage disputes.
If your property has suffered from flood damage, we are experts working on your side assisting with flood insurance claims. If you’ve experienced flood damage to your home or business, then you will be facing many challenges to get your property restored. One of the biggest hurdles will be your flood insurance claim. Many homeowners find that dealing with insurers can be very stressful due to their current situations, the last thing they want to be doing is haggling the value of the flood damage that has been caused. We are here to ensure that you are equipped with expert knowledge on how to deal with your insurer.
Extensive water damage to your home caused by a serious leak or flood can feel like a real disaster. It’s hard to know where to start when it comes to cleaning up and starting repairs. The real problem faced by many homeowners is that the full affects of a flood or water damage can be difficult to see. What initially seems like a small amount of damage can conceal much more serious problems, which could easily reappear in the future. We can help make the whole process easier by managing your claim from start to finish, while offering help and advice based on dealing with countless flood and water damage insurance claims in the past.