Is there a shortfall in the claim from his insurance company?
OK but is there any suggestion that you won't recover everything?
It depends. Possibly but not if you are going to recover anyway from your insurance company. You cannot claim double compensation. The insurance company may well have a claim against them if they have to pay out under contract but you would not. So it turns upon the question I asked above. You need to know whether you will recover from your insurance company. Jo
Ok. All the best.