Thanks Mossy. Its all got horribly messy and I concerned that he is going to try and intimidate us for more money. Despite having our insurance details we were surprised to receive a letter before action threatening all sorts of things. We had no choice but to get some legal advice although its not been worth the money.

thanks yes, the loss adjuster visited the flat downstairs and based his recommendations on the estimates provided by them, they then got on with it. He sent the solicitors letter after the damage occurred.

Hello, apologies if this has been covered before but I am grateful for any help. My insurers have agreed to pay out £2000 for redecorating, loss of rent etc due to water damage to the flat downstairs based on information provided by the owner. Despite the fact that we have never denied the damage which was an unfortunate accident, the owner of the flat downstairs have been unco-operative and excessively litigious about everything. Despite the fact that our insurance company has agreed to pay for everything we still have the threat of court action over our heads. We have now only recently discovered that there is a possiblity that they are making a fraudulent/ exaggerated claim - the builders who provided the estimates don't seem to exist, their mates have done the redecorating etc,.... ok from what I understand of the law, not a problem if the insurers have agreed to pay x amount for the works and they submit an invoice for around that amount that the insurers are prepared to pay but (1) should I notify the insurers of my concerns (2) if the insurers refuse to pay out due to what they think is a fraudulent claim do they have a valid claim directly against us? we paid for protection to pay for such an unfortunate situation, we had no involvement with the estimates or redecorating, the insurance co confirmed that the work should go ahead based on the estimates provided by downstairs, it would be soley the actions of downstairs that could negate the payment.. fairness would suggest no and I also don't like being complicit in such shoddy behaviour however the law may be different - grateful for anyone's thoughts