New member - horrific problems with insurance claim

[Little H]

Hi I have just joined.

I really need help with a home insurance claim.

 

We had an escape of water due to burst pipe under concrete slab on ground floor.  I won’t bore with details, but Lloyds Bank General Insurance are using Davies Group Loss adjuster and claims handler and we are having a terrible time.

 

They keep minimising the value of the claim and damage the water ingress has caused.

 

Anyone else out there suffered at Davies Group Hands with their valid insurance claim. I am sitting here crying as I am at a total loss.

 

Any advice greatly appreciated.  

 

We appointed a loss assessor in May but they won’t even deal with him properly. This has been ongoing for 3 years - yes I know 3 years.

 

Did anyone manage to get Davis off their claim?

Edited August 18, 2021 by dx100uk
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[honeybee13]

Hello and welcome to CAG. I've moved you to our insurance forum for further advice, people should be along later.

 

Best, HB

[honeybee13]

We've had other threads about Davies Group and you aren't alone in suffering. Hopefully some people will have updated their threads to show the outcome. HB

 

https://www.consumeractiongroup.co.uk/search/?q=davies group &quick=1&search_and_or=and

[Little H]

Thank you. I read these posts earlier. It seems there are still many of us who are having to deal with this organisation. How do they still continue to get away with it?

[honeybee13]

Site team member @unclebulgaria67 is good at insurance stuff, hopefully he'll look in later.

 

HB

[unclebulgaria67]

Next step is to threaten to issue a Court claim against the Insurance company that underwrite the Insurance policy and follow through by issuing the Court claim.

 

This has been ongoing for 3 years now, so going to the Financial Ombudsman Service (FOS) will just add further delays.

 

Once you issue the Court claim, the claim will be back with the Insurance company, with Davies group on the side lines.

 

For the Court claim, your loss assessor should be able to guide you on the value of the claim and provide full information on the extent of the damage/loss that resulted from the escape of water.

 

Lloyds Bank General Insurance are likely to be the agent/broker and not the Insurance Underwriter.  In your policy documents valid at the time of the claim, it should state the name and contact details of the Insurance Underwriter.  It is the Insurance Underwriter you need to threaten to take to Court and you should send a copy of the letter to Head of Claims at Lloyds Bank General Insurance. 

 

The letter to send is a letter before action stating the reasons you will be issuing a Court claim, the value of the claim and what the company you are looking to take to Courts needs to do before a specified date, to avoid the claim being issued.

 

[Little H]

Thank you.