Evening all!

I'll try to keep this short

Several weeks ago the floor began to collapse in the bathroom of my flat. It turns out that 2 leaks (1 in bathroom and 1 in adjacent kitchen) had weekened the floor (rotted boards/joists) and caused it to sink .. taking the loo/bath with it. The stud wall in between bathroom/neighbour along with a significant portion of kitchen cabinets were rotten too and fell apart on removal.

Insurance company are coming back to me and saying they'll pay for 50% of the kitchen (in their opinion the damaged portion), they won't pay for a new sink even though buy replacing toilet/bath it now means the sink is horrible and doesn't match and they're also not agreeing to pay for the stud wall in between flats to be repaired properly with fireproof plasterboard.

The Insurer is Ageas.

Where do I stand re: matching items with such a claim? Surely the point of insurance is to restore you to the point you were at before the problem occurred. I'm going to be left with a non matching kitchen and bathroom - not how it was before. I'm already down £700 in excesses so where to go? Is it worth challenging?

Thanks!

Monty

The majority of policies if not all will have a matching items clause, some insurers also selling matching items cover in full as an extra.

If you were to take this to the FOS they will normally ask the insurer to pay 50% of the undamaged area's- so for example you get 50% already agreed for the kitchen and a further 50% of the undamaged half (25% of the kitchen in your case).

I've not known the FOS to budge on this, it's worth the fight though even for the other bit.

Thanks for the reply!

...I don't expect them to pay the lot, but 50% of the undamaged would be a massive help.

Is there any case history online that I can use to back up this argument? Or will threatening the FOS being enough?

Cheers!

M