Yes they will pay as they have confirmed the contents claim and the flood damage.
the loss adjuster has tried to play every game not to pay with blaming me,telling me the roof is not right etc but i have reports on everything
please see below my surveyors reply this Friday to the loss adjuster,since then the insurers have dismissed the loss adjuster and i have been told that they are to make an example of him
i have minimized names to initials.......
Following on from your email received today received @ 07.09, I am concerned as an independent chartered surveyor/regulated insurance mediator that the context of the email is incorrect in various errors.
In order to explain and to demonstrate, we will refer to documentation on file of which you have copies of.
1. Priced document present to QClaims Services Ltd October 2013 identified the extent of the strip out and their budget costings with certain exclusion
b. Loose furniture (Submitted Luxy 2013 Price list regarding chairs, seating, tables, etc. on 21-01-2014) and (JST upholstery quotation and report dated 25-11-2013 with subsequent letter dated 03-12-2013 identifying the cost ranges from £ 300 - £ 1000.00 per metre for each bespoke made to measure fitted seating hand built report 03-12-13)
c. Bottle Fridges (Pat testing failure) with appropriate stickers checked by STP independent electrical contractors
d. No allowance to replace ground floor bar and back wall (Within the hard strip out schedule)
e. Statutory services (Temporary supply installed and paid by the client directly)
f. No allowance for a re-wire (Electrical report from SPT dated 12-12-13 emailed in black and white as your were apprehensive to download the coloured version from SkyDrive) Coloured hardcopy handed over yesterday at the meeting
Original electrical installation certification IMN2/2424062 dated 30-10-2011 has already been issued and acknowledged via email response, as well as clarification between IMN2 and the current IPN3 carried out by STP
g. Allowance for the Mechanical & Electrical fittings not the entire M&E (reports have been submitted obtained from A & T Electrical Services (Leics) Managing Director Adam Arunull 24-01-2014)
h. Infra-structure (not defined)
i. External works (other than stated)
j. Specialist sound style (Report and quotation dated 03-12-2013 submitted from Emiror Research dated 10-11-2013)
k. Fire/Smoke alarms (Reports and quotations dated 7,11, 22-11-2013 submitted) Squires Group whom originally installed the system and maintains the functionability and operation with planned maintenance agreement)
l. Intruder alarms (Reports and quotations dated 7,11, 22-11-2013 submitted) Squires Group whom originally installed the system and maintains the functionability and operation with planned maintenance agreement)
m. IT & Tills (Quotation obtained from NRG-epos dated 06-11-2013 submitted)
2. Items not covered in Ridge’s report (information provided via email)
a. Telephone equipment (Quotation obtained from Squirecom dated 11-11-2013 submitted)
b. Military radio control units, BT elements DECT telephone and response 75+ T.A.M (Quotation dated 11-11-2013 submitted)
c. CCTV equipment replacement and installation (Quotation 11-11-2013 from Squire Alarms submitted)
d. Options East Midlands Quotation dated 09-10-13 dealing with the clean-up operation (Submitted)
e. Kibworth Electrical quotation relating to disconnection of fuse boards and installation of a temporary fuse board and armour cabling with a temporary supply designated for the alarm system (Submitted)
f. Squire alarms invoice dated 30-09-2013 regarding emergency works after the insured peril incident (Submitted)
g. Guardian Protection invoice dated 30-09-2013 in providing patrols (Submitted)
Furthermore, we are finding hard to understand your rationale, as you have confirmed via email that you have agreed to R report submitted in October and Iss original report in relation to the elements of work and the drying out process, although at the meeting yesterday you have intimated that you wish a further report from ISS as discussed in order to remove skirting boards at 2nd floor level with the introduction of ventilation slots to enable drying out the cavities, why was this in their report or suggestion back in
In addition, you are again referring to suspicious issues regarding the partial collapse of the 2nd floor office ceiling clearly damaged by the ingressment of water from the insured peril and covered within Ridge’s October 2013 and ISS’s September 2013 QREC Rev4 reports
Other concerns and issues we have as independent chartered surveyors/insurance mediators in processing the claim are as follows:
· Why has it taken six months to commission you own consultants when reports have been furnished between September 2013 – December 2013, as this is delaying the process in tendering in which we have envisaged a return of tenders by the end of March 2014 8 months after the event.
· Why do both Ridge’s and ISS reports conclude the removal of the bars within the ground floor and 1st floor level and now this is being questioned although agreed
· In relation to the emphasis of a claim not being submitted, we have submitted quotations, reports, testing reports and identified the need of a soft and hard strip out together with costs from all approved specialists as detailed above, for approval and as of to-date nothing has been approved or costs accepted that is frustrating to the client.
· Furthermore, there will be other issues that we will address once we have your responses as to our hard strip out submission and the subsequent site meeting of 07-03-2014.
FCABE, FIAS, FASI, FCIOB, FRSA, FRSPH, FFB, FIMBM, MRICS
below is my complaint letter
I wish to lodge a complaint with regards XXXXX XXXXX claim and am stating my dissatisfaction as follows:
My dissatisfaction with the handling of my claim remains and I would like you to review the handling of my claim to date and address all the points that I have made. If you are unable to answer my points satisfactorily then I would like the matter transferring to another Loss Adjuster.
In addition, the fact that I have had no response from yourselves to date leaves me with no option but to copy in the FCA so that they are aware of my complaint. Should I fail to receive a response acknowledging my complaint and hopefully a satisfactory resolution then I will be asking them to review this matter for me. I look forward to your response.
Yes they will pay out