Yes it looks like I'm being blamed, but I not sure it was my fault!
A new connection to an existing radiator valve came loose at least a week after being filled and tested. (Probably moved due to expansion once the heating came on)
It was only a small weep at first, but because both this top floor flat & the one below were unoccupied, it was allowed to build up & get worse until it had gone through 2 ceilings!
I'm am unsure of the total cost of damage at this time, but as the property is in one of Bath's famous crescents, I wouldn't be surprised if we are talking 5 figures!
I have been informed by the builders insurers that costs of £875 are already paid, with "considerably higher costs anticipated".
I also know a rug was damaged at a loss of £2800
No proof has been given.
I have an extremely good relationship & reputation with the builder, but he's in Australia for another week. He is under the impression that his insurers would pay up as it was just "one of those things".
It was also him that was called to the leak first when the alarm was raised. I attended shortly after.
Not yet no.
I had an initial letter 8 months after the event recommending I notify my insurer.
I replied by letter stating I had none in place, assuming I was covered under their policy.
Then I received an email on New Years Eve claiming they would not provide any indemnity for any losses arising from my negligence.
I have not replied to this email!