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Post by beanie on Jul 3, 2010 18:20:48 GMT
We arrived back from hols to be told by our neighbor that the roof on the house front was dipping more than usual. hubby checked the attic and found that the main beam had a crack in it. Our new insurance company said it wasn't their problem as the dip must have been ongoing for a while and to go back to our previous company. They checked the damage and said that the dip was caused by the fact that when the house was retiled the roofers should have strengthened the purlins. Why didn't anyone mention this at the time. The roof was originally slate and the new roof was concrete tile, the extra weight has stressed the wood. They said because of that , it wasn't their problem and to go back to the council who approved a grant and shouldn't have passed the work in the first place. Our new roofer , very well recommended said that because quite a few years have passed the council probably won't help.The roofers are no longer in business and have moved on. round in circles or what.
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Post by Barbara on Jul 4, 2010 6:52:05 GMT
That sounds like an expensive nightmare Beanie.  Can you get someone to strengthen the beam in some way. |
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Post by snowowl on Jul 4, 2010 7:36:56 GMT
What a nightmare.Insurance companys try to pass the blame if they can. You pay your home contents and building insurance every year hoping for peace of mind.  |
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Post by Deleted on Jul 4, 2010 11:37:13 GMT
That is so bloody typical of insurance companies. They are happy to take your money month after month but when you try to make a claim, they do everything they bloody can to weasel out of it. I would check the small print of your policy very carefully to see if you can actually make a claim. Don't just take their word for it because I suspect they tell people that all the time just to fob them off.
FA x
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Post by Tig on Jul 4, 2010 14:33:08 GMT
How frustrating Beanie! Why indeed do we bother paying for insurance if that is their response to a serious problem!! I would have thought that the current insurers had a responsibility to deal with the matter, and then reclaim if appropriate. I don't know if you have thought of contacting the FSA for advice, here is a link to their web-page for insurance related matters .. www.financial-ombudsman.org.uk/publications/assessment-guide/first-annual-report/resolving-insurance-related-disputes.htmThey mention a new body (the general insurance standards council) but I cannot find a legitimate link to any website for them!  x Tig |
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Post by beanie on Jul 4, 2010 16:18:13 GMT
I'll get o.h. to look into your suggestions, we've already had an estimate for the front elevation of the roof. we're afraid that if we argue too long with the insurance the whole lot will fall in and then there will be the problem of the ceiling underneath to deal with as well. The rest of the house has much stronger timbers, maybe because it was added on at a later date, in time we 're hoping to replace the all of the roof tiles.
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Post by Plocket on Jul 4, 2010 17:51:11 GMT
What a nightmare, and what a bloody cheek! I hope you get it sorted quickly Beanie.
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Post by beanie on Jul 6, 2010 9:21:31 GMT
The roofer must have been worried as well, because the scaffolding has gone up and he's already stripped off the old tiles and replaced the rafters. He's going to replace the old tiles with a new synthetic one . Much less weight.
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Post by Barbara on Jul 6, 2010 11:02:59 GMT
Oh is it going to cost Beanie, or is he putting right a wrong for free.(fingers crossed it's the latter).
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Post by beanie on Jul 6, 2010 12:45:53 GMT
Definately not for free Barbara, he wasn't the one who put a dodgy roof on. That one has moved on and is no longer in business
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Post by MamIDdau on Jul 7, 2010 16:47:44 GMT
I would play hell with your insurers. You pay them the premium, up to them to try and reclaim the money from whoever was responsible.
I'd write to them explaining, very politely, why they should sort it. If they decline to pay up, ask them for a final response letter so you can take the issue to the FOS.
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