Egluntyne Posted February 15, 2011 Share Posted February 15, 2011 Go for it! What a saga! Quote Link to comment Share on other sites More sharing options...
Ain't Nobody Here Posted February 15, 2011 Author Share Posted February 15, 2011 The second loss adjuster has just left. She didn't go up on the roof ('elf 'n' safety . How come the other guy went up there, then?) Apparently there wasn't a storm that night . Direct Line use data from the weather station which is 6 miles from my house and because it recorded gusts of "only" 53mph, that doesn't constitute a storm and hence our roof wasn't damaged by a storm. Silly me, I must have forgotten I climbed on the roof and ripped it off with my bare hands. Unbelievable . Chickendoodle, this matches exactly what you were saying about local weather conditions. I'm trying to get hold of someone at the Ski Centre to see if they have wind gust data for that night. She did offer a cash settlement for the internal redecoration which is something I suppose. After the excess it'll be about £375 . What I don't understand is why the 2 loss adjuster firms used totally different criteria to reach the same conclusion . The first said it was the condition of the roof (no mention of wind speed). The second says wind speed. Also, the first firm didn't offer a cash payout - he said the WHOLE claim was invalid. The woman today said that as the rainfall was a certain amount that night, we are covered. I'm still going to contest this and at the very least will be moving all my insurance from Direct Line. Quote Link to comment Share on other sites More sharing options...
Ain't Nobody Here Posted February 15, 2011 Author Share Posted February 15, 2011 Just had a call from the loss adjuster who has spoken to her manager, explained the situation (and the particular location of my house) and I've to submit an estimate for the roof . Not celebrating quite yet until I get the payment . (Well, maybe a bit, I've got a big grin on my face ) Just shows, nothing ventured, nothing gained . Quote Link to comment Share on other sites More sharing options...
Chickendoodle Posted February 15, 2011 Share Posted February 15, 2011 Well done. We have such trouble here helping our clients with some of the storm claims - as you know (and have experienced) there can be strong gusts of wind that are completely local and therefore unrecorded at the weather station. This is always much more exaggerated in coastal areas. It is so frustrating but unfortunately there is a standard insurance industry definition of a storm and if you don't meet it on paper - tough - computer says no! Worth noting for the future anyone reading this - if you have a freakish storm and are likely to be putting in an insurance claim trawl the internet and the local papers the following day for anything that will support you. Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted February 15, 2011 Share Posted February 15, 2011 That's great news ANH. Incidentally, my neighbours sprang a leak in the thick snow that we had - the tiny flat roof over the bay window in their bedroom started to leak, fetching down part of the ceiling in that room. At first their claim was denied, but they appealed and it has now been allowed. Perhaps the insurance companies are clamping down with all the adverse weather we've had recently. Quote Link to comment Share on other sites More sharing options...
Ain't Nobody Here Posted February 15, 2011 Author Share Posted February 15, 2011 How's this for a bit of irony ..... I spoke to someone at the Ski Centre (which is 2 miles from my house and sustained such damage that night that it was closed for a week). They used to have their own wind speed monitor but guess what? It blew away a year ago . Quote Link to comment Share on other sites More sharing options...
abwsco Posted February 15, 2011 Share Posted February 15, 2011 Well done you ANH BTW Direct Line have always been dearer for me on every thing that you could insure and in some cases by thousands-lol Quote Link to comment Share on other sites More sharing options...
sparkysmum Posted February 15, 2011 Share Posted February 15, 2011 Sounds real hopeful ANH, keep going gal Quote Link to comment Share on other sites More sharing options...
Olly Posted February 15, 2011 Share Posted February 15, 2011 Good news ANH - here's hoping you get a cheque soon! As an aside, I have sometimes found Direct Line to be cheaper, and to be fair when I had a claim with them, they were very efficient. A colleague stopped using them however, when they declined to offer insurance to his wife despite her 20-year record of driving with no claims. The reason? Her car was adapted so she could safely drive it despite her disability ... Quote Link to comment Share on other sites More sharing options...
keyhole kate Posted February 15, 2011 Share Posted February 15, 2011 Good news ANH - here's hoping you get a cheque soon! A colleague stopped using them however, when they declined to offer insurance to his wife despite her 20-year record of driving with no claims. The reason? Her car was adapted so she could safely drive it despite her disability ... Sorry to to hijack this thread but having a disability this kind of thing makes me incensed : If Direct Line actually gave this as a reason to deny cover this amounts to Direct Disability Discrimination And I would have have reported them to the Disability Right Commision quick smart who would most likely taken up a case against them when I was researching Disability Discrimination some years ago I was agog at some of the cases publicised on the DRC website that they had championed Sorry steps down off soap box Keep figting the good fight ANH Quote Link to comment Share on other sites More sharing options...
Lewis Posted February 16, 2011 Share Posted February 16, 2011 Good news ANH! at the wind monitor blowing away! Quote Link to comment Share on other sites More sharing options...
Ain't Nobody Here Posted March 18, 2011 Author Share Posted March 18, 2011 A little bit of good news today . Received a cheque from Direct Line for £524 . Was slightly worried that that was all I was getting (the roof repair was £1250 ) so I phoned them. The roof claim is still being considered so keep all your fingers crossed for me . This money is for the redecoration, which had been OK'd by the assessor already (but is more than she said it would be ). On the plus side, my bathroom looks absolutely fab now . I've gone to town replacing everything so the insurance has really only covered the redecoration but it was long overdue! Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted March 18, 2011 Share Posted March 18, 2011 That's great news Vicki! Quote Link to comment Share on other sites More sharing options...
chickencam Posted March 18, 2011 Share Posted March 18, 2011 Good news Quote Link to comment Share on other sites More sharing options...
Egluntyne Posted March 18, 2011 Share Posted March 18, 2011 Well done. Here's hoping they do the decent thing and stump up the rest. Quote Link to comment Share on other sites More sharing options...
Ain't Nobody Here Posted March 29, 2011 Author Share Posted March 29, 2011 I was on tenterhooks all morning waiting for a call from the loss adjusters . I now feel like I've won the lottery because they've approved the claim . Full amount of £1,295 . There was me all ready for a fight too . Pity I've got to hand it over to my roofer . Quote Link to comment Share on other sites More sharing options...
Patricia W Posted March 29, 2011 Share Posted March 29, 2011 Well done! Quote Link to comment Share on other sites More sharing options...
Bramble Posted March 29, 2011 Share Posted March 29, 2011 Hooray, well done ANH PS, totally off topic, but am I the only one who thinks your dog and hamster look very alike? Quote Link to comment Share on other sites More sharing options...
Lewis Posted March 30, 2011 Share Posted March 30, 2011 Great news! Well done Quote Link to comment Share on other sites More sharing options...
WitchHazel Posted March 30, 2011 Share Posted March 30, 2011 That's great news Vicky, well done!! Quote Link to comment Share on other sites More sharing options...
sparkysmum Posted March 31, 2011 Share Posted March 31, 2011 That's brilliant, well done Quote Link to comment Share on other sites More sharing options...
