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Reinstatement of works - Insurance builder low ball bid

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My surveyor drew up a schedule of works which he sent to 3 builders, one of which was the insurance appointed builder. The bids from the 2 builders chosen by me came in at a very similar price. The insurance company builder came in at 50 per cent less than them. This difference equates to 10k in money terms. The insurance will only pay on the lowest bid, but I feel the insurance builder is too low and does not reflect market rates. I do not feel my surveyor (who is appointed by me but paid by the insurance company) is working in my best interest because he has not challenged the low quote from the builder. I do not feel I am being treated fairly. What can I do?


By the way, the reinstatement works on my home are due to start soon and I have chosen to go with my builder rather than the the insurance builder whose work I am not familiar with. I do not want to delay this work any further.

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This was previously raised here.


Providing that the schedules between the two sets of work match, you have two choices - you can accept a cash settlement for the works at £10k less, or you can get the insurers builder to carry out the works. The insurers builder will be cheaper - the insurer bulk buys work from them and it will be cheaper. Market rates don't come into it, if the insurer can get the work cheaply, then that's what you will get.


There is a third option - go back to your builder and negotiate, ask them to reduce your price or you can't afford to use them.


You can also make a formal complaint via the insurer, and you then have the option of the financial ombudsman if you are still not happy.

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