It's a very long story but in short,
my neighbour's property was gutted by fire in January (unfortunately, the lady lost her life).
My house was extensively damaged by smoke and
Liverpool Victoria had a loss adjuster round very quickly to establish that
all the contents of my cellar and loft area need to be removed for chemical cleaning/disposal,
all insulation needs to be replaced,
my carpets and furniture require professional cleaning
and the house needs fully redecorated.
I have pursued this vigorously as I have 2 young children and