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Insurance .Builders qoates !

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View AERO's Profile AERO Flag 15 Aug 20 6.21pm Send a Private Message to AERO Add AERO as a friend

Need to get some prices for some work to my flat .Does anyone have any experience or advice on quotes ? Do insurance companies normally take lowest quotes ?

 

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View cryrst's Profile cryrst Flag Chatham 15 Aug 20 6.56pm Send a Private Message to cryrst Add cryrst as a friend

Originally posted by AERO

Need to get some prices for some work to my flat .Does anyone have any experience or advice on quotes ? Do insurance companies normally take lowest quotes ?

Have you had a flood or fire then?

 

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View AERO's Profile AERO Flag 15 Aug 20 6.59pm Send a Private Message to AERO Add AERO as a friend

Yes water damage

 

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View ASCPFC's Profile ASCPFC Flag Pro-Cathedral/caravan park 15 Aug 20 10.34pm Send a Private Message to ASCPFC Add ASCPFC as a friend

I had extensive fire and smoke damage a couple of years ago. Instead of going through the hassle I used an independent assessor who dealt with it all. Their fee came out of the insurance claim and through the contractors as consultancy and management. Everything was done well and they did it all. I don't know if this is an option for you. Perhaps ring one and ask about it. It can't hurt to ask if it would cost you or not.

 


I used to put the manager's name in front of Red and Blue but got fed up with changing it. If someone cool becomes our manager then maybe..

Red and Blue Army!

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View kingdowieonthewall's Profile kingdowieonthewall Flag glorious Goring by sea 15 Aug 20 10.54pm Send a Private Message to kingdowieonthewall Add kingdowieonthewall as a friend

Originally posted by AERO

Need to get some prices for some work to my flat .Does anyone have any experience or advice on quotes ? Do insurance companies normally take lowest quotes ?

just dont forward a quote thats too low / or you dont like the contractor.
insurance companies are (often) gits & will take lowest, so be careful.

 


Kids,tired of being bothered by your pesky parents?
Then leave home, get a job & pay your own bills, while you still know everything.

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View Badger11's Profile Badger11 Flag Beckenham 16 Aug 20 7.45am Send a Private Message to Badger11 Add Badger11 as a friend

What matters is that the work is done to your satisfaction. I would get quotes from respectable well known companies if they are on the high side let the insurance company argue the toss.

They can always suggest a contractor themselves if their valuation is nowhere near yours. If push comes to shove I would rather employ a quality firm and pay the difference than employ bogit and sons.

 


One more point

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View Casual's Profile Casual Flag Orpington 16 Aug 20 8.54am Send a Private Message to Casual Add Casual as a friend

Ask the contractor to put the cost of your excess on the quote and he can knock it off the price at the end , so it doesn’t cost you anything. Insurance quotes are always dearer than prices direct to the public anyway.

 

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View Forest Hillbilly's Profile Forest Hillbilly Flag in a hidey-hole 16 Aug 20 9.38am Send a Private Message to Forest Hillbilly Add Forest Hillbilly as a friend

Insurers employ "Loss Adjusters" to assess damage and quotations for work. Their job is to spend the least money on your claim, and they are complete c-units. It's a steep learning curve dealing with some insurers, so be prepared to stick-to-your-guns on what outcome you want.

I got 3 quotes for a flooded bathroom, and the initial offer from the insurers was 30% lower than the lowest quote for repairs.

 


,.,.,..,

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View AERO's Profile AERO Flag 16 Aug 20 2.49pm Send a Private Message to AERO Add AERO as a friend

And what was the outcome forest ? Did did they increase ? Is it a question of "haggling with them " ?

 

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View Forest Hillbilly's Profile Forest Hillbilly Flag in a hidey-hole 16 Aug 20 4.15pm Send a Private Message to Forest Hillbilly Add Forest Hillbilly as a friend

Originally posted by AERO

And what was the outcome forest ? Did did they increase ? Is it a question of "haggling with them " ?

yep, the insurers did increase, eventually. But only up to the lowest quote, and that was with caveats about the scope of works.

Don't 'haggle'. If they haven't included anything on their remedial proposal, then remind them ASAP.
Take photos of damage (timed and dated) to record what happened and what they need to fix.

 


,.,.,..,

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View AERO's Profile AERO Flag 16 Aug 20 4.40pm Send a Private Message to AERO Add AERO as a friend

My quotes are with the loss Ajusters now so just awaiting choice of builders to carry out the work.Thanks for all your comments and help guys helpful !

 

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View Forest Hillbilly's Profile Forest Hillbilly Flag in a hidey-hole 19 Aug 20 7.21am Send a Private Message to Forest Hillbilly Add Forest Hillbilly as a friend

Originally posted by AERO

My quotes are with the loss Ajusters now so just awaiting choice of builders to carry out the work.Thanks for all your comments and help guys helpful !

It's just a bit 5hltty the insurers are happy to take your money, but when you have an incident, they really can be a pain.
Loss-Adjusters rank alongside Traffic Wardens and politicians as my most despised vocations.
Unless you have a 'new-for-old' stipulation in your policy, they might also take 'wear' into consideration.

Let us know how it goes, and spill the beans on your insurers

 


,.,.,..,

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