Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: TheBoy on 27 July 2013, 09:16:40
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Words rather fail. The insurance are bloody useless. Used condom smeared in dogshit does not do it justice >:(
The requirement changes on a hour by hour basis, and are beginning to really piss me off >:(
Anyway, I know need quotes to clear the rubble (BUT not the contents (remains of)), but I'm not sure who I should be looking for. Is there a specific trade that does this sort of thing?
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Words rather fail. The insurance are bloody useless. Used condom smeared in dogshit does not do it justice >:(
The requirement changes on a hour by hour basis, and are beginning to really piss me off >:(
Anyway, I know need quotes to clear the rubble (BUT not the contents (remains of)), but I'm not sure who I should be looking for. Is there a specific trade that does this sort of thing?
The mind boggles :o as to how that happens
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Skip and a couple of polish labourers ?
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Find yourself a decent fly tipper :D
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Are you having it rebuilt? If so building firm should be able to arrange whole job including clearance?
Steve
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Sorry, are you suggesting the insurers are expecting the rubble from the building to be cleared...
...but NOT the contents of the garage among the rubble?
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I'd just order a skip and do it myself.
Then send them the bill under a private company name. If you have one. First jumping through the quotes hoops.
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Are you having it rebuilt? If so building firm should be able to arrange whole job including clearance?
Steve
This was the line the insurers were going down, until I pointed out the error of their ways.
Unfortunately, any builders are unable to quote, as they have to include driveway damaged, patio damage, and lots of other damage that is unknown when its under tonnes of rubble. As the floor has lifted significantly - 30" in places - the foundations need to be inspected before quoting.
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I'd just order a skip and do it myself.
Then send them the bill under a private company name. If you have one. First jumping through the quotes hoops.
I'm getting towards doing that anyway, but giving I'm still struggling with my ribs, and it would have to be done at a certain speed (as the insurance's own clearers need to be there at the same time to document what is found), its beyond my current capabilities. Some parts, like some of the floor sections, would need mechanical aids I suspect.
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TB, you should organise your own skip and then organise an OOF members day at your place to help with the clear up, OOF style ;)
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Sorry, are you suggesting the insurers are expecting the rubble from the building to be cleared...
...but NOT the contents of the garage among the rubble?
That seems to be the case, yes. Unfortunately, we have just one contact for our insurance, and he is nigh on impossible to get hold of. And he dropped the bombshell that his contractors were unable to do the clearup at 6pm last night, along with an additional bombshell that he was on leave next week.
The implication is his contractors (the ones that have now said they can't do the clearup) need to be onsite at the same time as the rubble clearers. So you know how impossible that is going to be to arrange. The trouble is, the requirements change every time you speak to the insurance guy.
Now to further complicate matters, my insurance company do not want to liase with my neighbour's insurance company, for reasons that do not get a response when queried, so it looks like we (neighbour and I) have to get our bits of the clearup done seperately, without disturbing anything on the other side. Precisely how that is possible is, again, beyond me.
I can't help but feel its all a stalling game. We'll be 3 weeks in before he'll even see any quotes for clear up, then probably a week or 2 before that can be approved and start, then a couple of weeks for rebuild quotes, then a month or more to rebuild (it may need planning permission to rebuild as it was, so maybe 2-3 months). I can see this dragging in to next year.
In the meantime, I can't get the contents replaced, as we have nowhere to store them.
To say I'm extremely pissed off does not do it justice >:(
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How about buying a cheap but secure metal motorbike shed that is lockable in the meantime? Store your stuff in that.
Then when garage rebuilt sell the metal shed S/H and recover most of your outlay.
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Bloody Hell J. Have to tell me who you are insured with when I'm back, name and shame this terrible company.
How exactly can you clear you side without affecting next door? That's bloody impossible! Take photos of the site, then complain maybe? List what they are asking and show how insane it is?
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Lack the room, Varche. Also, security could be a problem if it was broken into, as its still a "shed" not a brick structure.
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Bloody Hell J. Have to tell me who you are insured with when I'm back, name and shame this terrible company.
How exactly can you clear you side without affecting next door? That's bloody impossible! Take photos of the site, then complain maybe? List what they are asking and show how insane it is?
The guy has seen the site, which is why he always sees the error of his ways on the rare occasion I can get hold of him.
Obviously, the window fitters can't replace the windows until the rubble is gone, and we're expecting more heavy rain later. More towels on the windowsills, grrr.
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have a word with a lokal building company and tell them what you need doing,then get a builders site safe delivered,put whats left off your worldly goods in the site safe ready for mr insurance to asseses,send the bill for this to "robbing,insurance plc" they might then start to move,if that fails then get in touch with lokal/national press and tv,using a lokal reporter.
the headline
lokal couple survive near death,insures no help.
also you could be suffering ptsd from this, claim mangement.
might not be the route you wish to take but worth a look.
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Cause for complaint to the insurers there straight away.
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?
http://www.agcdemolition.co.uk/demolition/brackley.php
Obviously you need site clearance. If applicable?
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Possibly employ an independent loss assessor, as recommended to Webby, here (http://www.omegaowners.com/forum/index.php?topic=116647.msg1476433#msg1476433)?
Let him deal with the insurance companies.
Also, find a storage company to keep your stuff in - it should bill to the insewarance same as a courtesy car?
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Possibly employ an independent loss assessor, as recommended to Webby, here (http://www.omegaowners.com/forum/index.php?topic=116647.msg1476433#msg1476433)?
Let him deal with the insurance companies.
Also, find a storage company to keep your stuff in - it should bill to the insewarance same as a courtesy car?
With all the grief you're having Jamie, I would think the independant assesor may be the way to go to get things moving .
Insurance companies . . .total to*s*rs >:( >:( >:( >:(
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?
http://www.agcdemolition.co.uk/demolition/brackley.php
Obviously you need site clearance. If applicable?
Quote from the AGC website "The demands on demolition companies has changed significantly over the years, with todays emphasis being on sorting and recycling as much material as possible." that sounds about right......
I guess what you need is a gang of labourers to lift, shift and sort the contents of the pile. Lots of building projects I have worked on have started with shifting "stuff" before we can start the main job. I wouldn't know where to find the right people to do it though. The problem is you need someone silly enough to take the job on but sensible enough to do it to your satisfaction :-\
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Shed not suitable? Then rent some secure short term storage. We put all our furniture/belongings in such a place near Walsall. They are all over the place and different sizes available. Bill the insurance company .
OR a forum member with space? You could put it here but transport costs might be prohibitive......
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TB, you should organise your own skip and then organise an OOF members day at your place to help with the clear up, OOF style ;)
How about the day or two after Terberts bash :-\ need a skip (or three... timber/bricks and concrete/metal)for the rubble and a couple of ground sheets for the contents...
Is your neighbour suffering the same issues :-\
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I would say a few words to the insurance ombudsman at this point, or at least threaten to. They are there to put you back in the position you were in before the "outage", not put impossible obstacles in the way.
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Do you want to name and shame the insurance company?
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Do you want to name and shame the insurance company?
I very much doubt they'd feel any shame.
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cant help but agree with stemo, they don't know anything about shame. hate to say, but i'm waiting for the "n" word as it seems very high in their vocabulary !
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Is your neighbour suffering the same issues :-\
His loss adjuster suggests a joint clearup, that he is willing to arrange. And obviously joint rebuild - we'd jointly prefer to use local builders, that are close by, for reasons of greater trust and convenience.
However, my claims handler seems less willing for this level of cooperation.
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.....
However, my claims handler seems less willing for this level of cooperation.
he possibly plays golf with one of the other, less local, builders ........ ::) ::)
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The cynic in me wonders if he's on backhanders from companies he gets in...
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The cynic in me wonders if he's on backhanders from companies he gets in...
in a brown envelope at the 19th hole ......... ::) ::)
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Is your neighbour suffering the same issues :-\
His loss adjuster suggests a joint clearup, that he is willing to arrange. And obviously joint rebuild - we'd jointly prefer to use local builders, that are close by, for reasons of greater trust and convenience.
However, my claims handler seems less willing for this level of cooperation.
FFS! How can you build adjoining garages using separate builders? (https://dl.dropboxusercontent.com/u/26795734/Smilies/banghead.gif)
Sounds like, if he had any common sense, he'd be lethal. ::)
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Is your neighbour suffering the same issues :-\
His loss adjuster suggests a joint clearup, that he is willing to arrange. And obviously joint rebuild - we'd jointly prefer to use local builders, that are close by, for reasons of greater trust and convenience.
However, my claims handler seems less willing for this level of cooperation.
FFS! How can you build adjoining garages using separate builders? (https://dl.dropboxusercontent.com/u/26795734/Smilies/banghead.gif)
Sounds like, if he had any common sense, he'd be lethal. ::)
Employed deliberately to frustrate claimants. Seems he is VERY good at his job.
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Could/would your neighbours insurance sort everything and then bill your insurers :-\
Afterall, the whole situation is intertlinked, and presumably there is as much of his property on/in your property as vice versa. Besides, as any investigation would have ruled out foul play, there shouldn't be an issue with the claim.
If your assessor is that useless and unhelpful, all he needs to to is write a cheque for every related bill/invoice that lands on his desk. Even Frank Spencer could manage that ::)
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having been there with insurers on a major flood, I share your frustration.
first of all the loss adjuster is there to minimise the claim value - not to look after you. Loss assessors can work for you but they're just as parasitic as loss adjusters and will charge you pounds!
Second, don't worry about the arrangements between builders and loss adjusters. If there are backhanders it is not out of your pocket. BUT make best friends with the builders when they turn up because if they want to do extra and say " it must be done because of Blah, blah" it is very hard for the loss adjuster to say no.
THird, the loss adjuster should be arranging for site clearance, building quites etc. that's what you pay for. If he is not then write to the insurer, not the loss adjuster and complain that he is frustrating the claim and if it continues you'll place a formal complaint with the insurer and the insuance ombudsman. ( They hate the latter because no matter who's at fault, the insuer has to pay for it.)
in terms of content, create an inventory or everything and identiy its replacement at full market value ( i.e. internet order including delivery or high street price). Accept cash settlement to full market value only.
I have 3 months of blazing rows with a loss adjuster, he finally realised the only way of getting the job done and getting an easy life was agreeing to reasonable demands. (from his point of view he ended up working evenings and weekends to respond to me which he hated - found out it was easier to agree). I also made sure that the claim was 100% true so he could not block it anywhere.
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Jamie organise a skip and let me know and i will come up and give you a hand to shift the rubble into said skip, job done and i am sure that others will willingly help out as well, then when that is done CURRIE TIME.
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Jamie organise a skip and let me know and i will come up and give you a hand to shift the rubble into said skip, job done and i am sure that others will willingly help out as well, then when that is done CURRIE TIME.
Much appreciated, but I pay these useless mongrels for insurance, so they can sort it out. Christ, in 23yrs of home ownership, I've never put in a claim for anything....
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OK mate no probs but what about the CURRIE ?
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Always up for OOF currys :). Apart from Sat night - following the local beer festival - I've not had curry for ages. Been a bit hot TBH, so I've been salad munching a lot... :-[
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Bloody hell jamie dont admit that on here, your gonna get ripped mate. ;D
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Always up for OOF currys :). Apart from Sat night - following the local beer festival - I've not had curry for ages. Been a bit hot TBH, so I've been salad munching a lot... :-[
Man up! Next thing it will be a glass of Wine ::)
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Always up for OOF currys :). Apart from Sat night - following the local beer festival - I've not had curry for ages. Been a bit hot TBH, so I've been salad munching a lot... :-[
Man up! Next thing it will be a glass of Wine ::)
Nah, I'm not ready to come out of the closet yet... ;D
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Always up for OOF currys :). Apart from Sat night - following the local beer festival - I've not had curry for ages. Been a bit hot TBH, so I've been salad munching a lot... :-[
Man up! Next thing it will be a glass of Wine ::)
Nah, I'm not ready to come out of the closet yet... ;D
You came out years ago ;) ;D
Still OK for Saturday?