Holiday let insurance company not paying out.

Had I, of course, listened to other comments I received here, I would have given up at the first hurdle.

Well, we've had another negative response from the company saying that the clause we want to claim under is the exact clause which is likely to fail.

Maybe they / we were right alter all.

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Go away John. I'm not interested in anything you have to say. I want to keep this thread as a productive one, which might help me and others with a problem. You're only interested in scoring points.

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Had I, of course, listened to other comments I received here, I would have given up at the first hurdle.

Well, we've had another negative response from the company saying that the clause we want to claim under is the exact clause which is likely to fail.

Maybe they / we were right alter all.

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eggcup it is really not acceptable to critise people, and I inclunde myself in this, when the information and help that they are trying to give you is based on REAL WORLD experience having dealt with a large number of claims for my clients, I thonk your term was  let the doubting barrack room insurance advisors

I did ask a reasonable question which was not answered which was what are you trying to clam for, the repairs, the consiquential loss of rental income or something else, because I understand that there wasnt any actual damages to the property

Again the biggest problem is also the incident that caused the blockage, we have had blocked drains and no insurnace compnay will pay to have these unblocked, it is normally around €80 for the jetwash man

I am happy to name and shame one company Intasure, which I have previoulsy done in this forum, because though they were very efficent in dealing with the repairs when a property flooded and paid promptly,  they would not pay any of the expenses for processing the claim or providing property access so the owners had to pay, ironically if they had got on a plane and come over then they would have paid their expenses which would have been higher

We have had much more problens with a few very well known Spanish insurers

Why would any insurance company honestly make llife easier for the customers , again ths is the real world an again when I provide advice it is baed on real lfe experience of dealing with these issues on a regular basis, not the details on the contracts

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Could also be that the insurance company will only pay out X amount for claims...Say 250.00€..on blocked drains, and eggcup's claim came to a fair bit more...Say 500.00€...and the company then used the Claus they love to use "Well you were under insured so we don't have to pay out anything" They tried that one on me as well years ago.

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That was one of the reasons that I asked initially what the claim was actually for

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Eggcup,

I'm surprised by you posting on this thread.  In my message to you my my final words were "It might take a couple of letters as no doubt their first reaction will be to support their earlier decision, but you will win if you see it through".  Nothing has changed, but you seem to have ignored this comment completely!

The reply you have received from the broker is quite reasonable - they have a point of view which I would categorise as "they would say that wouldn't they".  But posting the comment is not at all helpful.  I really don't know what you hope to gain by doing so!  Equally an expose on EOS or involving the Ombudsman will be equally a waste of time. 

As I said before, to get your claim paid you need a good technical argument.  And the first stage is to obtain a clear reason for their repudiation which was rather woolly before. If you are going to ignore my advice and throw in the towel that is your call.  I am happy to continue to try and help and believe there is every chance of success, but I admit to being more than a little irritated by this melodrama which to my way of thinking serves no earthly purpose.

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Recently had a sales pitch from probably the most popular insurance company re building and property contents.
Initially it seemed everything was covered from accidental damage, breakages, theft etc.
Sounded good until we got to the exclusions when I realised that unless my house went up in a puff of smoke I would be paying them for contents and damage to the building without a hope in hell of ever getting a penny in return.
Even the sales guy had to agree.
Years ago insurance companies were excellent but, possibly because of people trying to scam the system, they now have a 99% exclusions.

However, at the moment, having insurance at least it will pay out to a third party if a problem on your property causes damage to another.

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As an update, just to let you all know that I have now been offered a 50% settlement, which I am considering. This shows that we were right not to give up at the first hurdle and will hopefully serve as encouragement for others not to immediately accept no as an answer from insurance companies.

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Possibly one or two of you might think twice next time before pitching in with negative comments.  As a generalism you cannot give any advice on an insurance claim without seeing the policy wording.

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Yes. And I would like to thank acer for all his help on this, behind the scenes. This has been another example of how members of this Forum can serve as a positive help to others, by offering their time and expertise with all kinds of problems. Apart from the practical help acer gave me, it has also been comforting to be supported with a problem (whilst swatting off the negative cr*p).

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There has been one very reasonable question that has been asked many times and NEVER answered and that was what is the 50% that have agreed tpo pay for, is if 50% of the cost of repairs or does it include the consiquential losses, cost of other accomodation and loss of rental income

This type of information could actually help people rather than continuing to knock people that post on this forum

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I was surprised by the hostility on this thread - and I still am!

But to answer your question insurers will view this claim as a whole and the offer is made notionally on an "ex gratia" basis (ie with a denial of liability).

This is done just in case the offer is rejected and does not prejudice their position if it were to go to court.  In practice they know that the claim is borderline, but if they were to admit that it might undermine their position.

Incidentally I believe that the insurers and brokers have been quite reasonably/professionally, but no doubt the perennial nigglers will say otherwise and won't let the facts influence their judgment.

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Acer it isnt hostility and again you still haven't answered the question which ius again what was the baisi of the claim and therefore have they offered 50% of the cots of the repairs or 50% of what exactly and I don't mean the actual amounts but the make up of the claim

I have a customer goung through a similar action at the moment so it is relivant

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inspectahomespain,

I do not know the breakdown of the figures submitted, Eggcup may comment,  but as I said previously this will not be relevant as they are viewing the claim as a whole and offering to pay 50% of the total. 

Their proposed settlement is totally arbitrary and is not relevant to any other claim as the policy wording, circumstances, submission of the claim, many other factors including the attitude of the underwriter will all be different.

"Loss of Rent" will generally only be recoverable under the policy if there is a specific item for it.  This can be in different forms, but the most common being a specific "Loss of Rent" item added to the policy, or an extension which provides cover for temporary alternative accommodation - again the scope of cover depends totally on the individual policy wording, which can vary enormously between insurers.

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The claim included the cost of the repairs, and the provision of alternative accommodation for the guests. As it was our last booking of the season, we didn't need to put in a claim for loss of future bookings and we were able to take our time on the repairs, therefore.

Personally, I think they should have paid the 100% and not 50%, but I am going to accept the offer for an easy life and because I've got other fish to fry.

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