Showing results for tags 'cash settlement'.
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How do all, hope I can get some advice on this one. On buying our first house in September 2011, my partner and I took up buildings and contents insurance with Axa. On 2nd January this year, we were hit by 90mph winds and all of the ridging tiles and a number of roof tiles were blown off. The ridging tiles plummeted off the roof, tearing off a section of guttering and landing in my conservatory, bursting two of the roof panes in there. Not the best start to the year. I got in touch with Axa an hour or so after the damage and their adviser was pretty helpful, they broke the claim down into two parts, dealing with the house roof and the conservatory roof separately. The company dealing with the conservatory roof, Solarglass, were pretty efficient and sent someone round to assess the damage and arrange replacement parts. The insurance company are paying for the repair. Unfortunately, the parts can't be fitted until the roof is fixed, in case further damage is done while the roof is fixed. The fixing of the house roof is causing us serious headaches. The surveyor, from a company called Building Valuation Solutions, couldn't make it out until a week after the damage was caused, which was understandable, given that they must have been dealing with a few similar claims. The earliest we could get a roofer out to give a quote for the job was over a week as well. So the surveyor came out, looked at the damage, took a couple of photos and agreed the claim within about five minutes of turning up. He calculated the cost of repair as about £670 and had been instructed by Axa to sort a cash settlement, minus our excess. So we were issued £570 by Axa. The day after the surveyor came out, we had 3 contractors round to give us quotes, the average quote for repair was £980, with very little difference between all three. This has left us with a bit of a problem, the money that Axa have issued us is £300 short of what we need to do the work. We're of limited means, given that we're not long in to a new house, so not in a position just pay the extra to get the work done and fight them for recompense. We went back to Axa to let them know the situation, they told us to get back in touch with BVS about the survey. BVS however don't answer the phone. After calling back Axa, they agreed to contact BVS and passed us on an email address for them. Numerous unanswered phonecalls and three emails later, and now 3 weeks after the damage was caused, still no response from BVS. Meantime, we've had continued poor weather, which is causing further damage to the roof and inside the house. Any advice/suggestions. I pay my insurance so that I don't have to sit in a house without a roof, and my excess is only £100, so I don't think I should be picking up the extra £300 to get the work done. Still, it's extremely difficult to get it resolved when we cant get any response from the surveyors and Axa are only willing to refer us back to them. Any advice welcome. Gav
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