Hello my name is ***** ***** I will help you.
On what basis are you having to pay the £1000 please?
Yes it would be the freeholder, its not your insurance.
There are 2 ways of doing this:
1) Dont pay the money and you risk the work not being done
2) Pay the £1,000 under protest, get the work done and then issue a claim in the County Court as a small claim for this sum.
But you wont be liable for the £1,000 - it would be the freeholder. Its not your insurance nor are any sums payable to you. If the freeholder took out a policy that had a £1000 excess, how is that your fault? The freeholder could have picked a lower excess policy
Can I clarify anything for you about this today please?
3) Well you can bit a small nominal sum
Does that clarify?
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