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Hotel/food Costs


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As part of an insurance claim, our insurer has agreed to put us up in a hotel for a few weeks whist repairs are done to our house. Does anyone know if they pay a set rate for meals and if so, how much do they allow and how many meals per day. Thanks

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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In any insurance claim where accomodation is required it is unusual to meet the cost of food, as the underwriters work on the principal that if you lived at home you would need to buy food anyway. However, you can argue that you have no means of doing food preparation within a hotel, therefore the cost is much greater than it would be at home. I am not aware of any fixed rate, but that of course would very much depend on the terms of policy. Nevertheless, if there is no specific term in the contractual agreement, negotiation may be the way forward based on the aforementioned arguement

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As above it all depends on the firm/how good the loss adjuster are. A home policy usually only mentions alternative accomodation cover, however if they refuse make a case to state that there is an increase in the cost, plus washing clothes etc is also increased. You should be lookng at roughly £10-15 per person, per day.

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As part of an insurance claim, our insurer has agreed to put us up in a hotel for a few weeks whist repairs are done to our house. Does anyone know if they pay a set rate for meals and if so, how much do they allow and how many meals per day. Thanks

 

Agree with previous comment. About £15 per person per day would be about the max that would be paid. It is just a token amount towards some basic food.

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Dear whizzkid001,

 

another option to consider is a holiday or similar short term self catering let. It is the most difficult time of year for this but may work out cheaper for the insurer and more convenient for you - it can get pretty depressing/tedious living in a hotel for any length of time.

 

There is a huge amount of personal preference here and negotiation is the key. It will also depend on how serious/time consuming the repairs are. I would say it is almost never that building works are completed to time!

 

regards,

Jet

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