Hello, my name is ***** ***** it is my pleasure to assist you with your question today. Have they tried to contact the builder in question?
They only arrived back at 3am this morning to find this ...
Thanks. Whether the insurance will cover this very much depends on what their cover is for and the actual policy they have taken out. Every policy will be different and will protect the insured for different things so it is impossible to say whether they will have any cover under their specific policy – all the y can do is check the policy wording or call the insurer and ask them if this will be covered.
If the insurance does not cover them then they can consider pursuing the builder directly. What he did would likely be classified as negligence and they are able to pursue him for any damages or costs resulting from his actions.
As legal action should always be seen as a last resort, there are certain actions that should be taken initially to try and resolve this matter informally and without having to involve the courts. It is recommended that the process follows these steps:
Whatever correspondence is sent, it is always advisable to keep copies and use recorded delivery so that there is proof of delivery and a paper trail. The court may need to refer to these if it gets that far.
Hope this clarifies your position? If you could please let me know that would be great, thank you
you are welcome, all the best