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Alex J.
Alex J., Solicitor
Category: Law
Satisfied Customers: 3795
Experience:  Solicitors 2 years plus PQE
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I am waiting for a £12000 insurance claim to be settled by

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I am waiting for a £12000 insurance claim to be settled by Ocaso for repairs to a rented property following water damage. I am the leaseholder and Hackney Housing owns the freehold and is responsible for the buildings insurance. Davies Chartered Loss Adjusters told me over the phone that I would receive the payment before the end of June and it is now august. When I call Ocaso I get passed back to the loss adjusters who now tell me that there is nothing they can do to expedite payment or to clarify the delay. Can I pursue this matter through the courts or should I use the ombusdman service? Can I withhold payments due to Hackney Council in relation to the property as they are responsible for providing the insurance cover?
Hi,
Thank you for your question and welcome.
My name is ***** ***** I will assist you.
Firstly I would not under any circumstances with hold payments due to the council. This could affect future insurance cover and they may seek to recover the money from you in a county court claim. Unfortunately there is very little the council can do to help you as the matter is now the insurers responsibility.
Secondly this is a financial service and Financial Ombudsman Service was set up for complaints of this nature. What you must do is make a written complaint to the insurer and find out exactly what has caused the delay. Once you have exhausted a written complaint avenue and if you do not receive a satisfactory response, then you can complain to the FoS. www.financial-ombudsman.org.uk/
They are able to order payment of compensation if you have been unfairly treated.
I look forward to hearing from you.
Kind regards
AJ
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