Ask an Property Solicitor. Get an Answer ASAP.
Hello my name is Alex and I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return.
Have you spoken with the insurers? Have they explained why it has taken 3 months and nothing has happened please?