We arewaiting for our decision regarding the refusal of Tesco to accept our claim for damages/cover for larder beetle infestation.
We have received your e mail saying that you have taken payment but we await your reply.
I amsorry, but this is not an instant service because we are all solicitors in practice.We do not sit online 24/7. We all have clients and court and other users onthis site and travelling and weekends and evenings etc. We are often on andoffline all day every day. Sometimes therefore you will get an answer inminutes and sometimes it is hours. The site does give the impression thatexperts will answer in nanoseconds will unfortunately, the site is hosted inSan Francisco and we are all based in the UK and we have no control over sitecontent. I also have no control over admin or money, I just answer questions.
So, back to your problem. I assume that youown the house and it is not rented.
Do you accept thatthis damage is not included in your policy? Is any other kind of infestationcovered?
Our first contact with you was made because we wanted to inform the ombudsman that we felt that it was wrong that such infestation was not covered. This somehow led us to your site and we were expecting a decision from an insurance ombudsman. The policy itself does not make reference to any form of insect damage as being covered.The problem with this bug is on the increase according to our pest controller.
There is no free service and we have to pay a considerable amount for a visit from the local council pest officer.
If youwant to refer the matter to the Ombudsman then the ombudsman is here http://www.financial-ombudsman.org.uk/consumer/complaints.htm
JustAnswer is an independent site which simply deals with answering legalquestions.
It isnecessary to look at the terms of the policy is exactly what is covered andalso to look at the exclusions.
Thisis not theft or accidental damage or fire or storm damage but is actually arisk on its own.
Ithink it most unlikely that a pest infestation is covered but the policy is thedefinitive document.
HoweverI would not trust any insurance company because they do have a habit of tryingto wriggle out paying claims. You would have to prove that this was either aninsured risk was brought about as a result of a problem from an insured risk.
If youcan ascertain how the infestation came into the house, you may have a claimagainst whoever provided those goods.
I canalso tell you that if you do refer it to the Ombudsman, the Ombudsman is notquick and this is unlikely to resolve in at least 12 months.
Doesthat answer the question? Can I help further? Can I answer any specific points?
Please don't forget topositively rate my answer service even if it was not what you wanted to hear. Youshould now see a series of buttons which enable you to rate my answer serviceformally.If you don't rate it positively, then the site keep your deposit and I get 0for my time. It is imperative that you give my answer a positive rating. It doesn't give me, "a pat on the head", "good boy" (like ebay), it is mylivelihood!If in ratings you feel that you expected more or it only helped a little,please ask. The thread does remain open for me to answer follow-up questions after ratingmy answer service.
We are aggrieved that in searching for contact with the insurance ombudsman we were led to a site which though able to give a legal opinion on our situation was not the site with whom we expected to be dealing. This confused us as we had no previous experience of trying to contact the ombudsman on the net.
Icannot for one minute understand how that has happened because if you putFinancial Ombudsman into any search engine, Google etc it is at the very top ofthe list and just answer does not even feature on that page.
Do youwant me to close this thread?