The water ingress was from wear and tear on a communal roof. However saying that.... we are not under the roof. There is a flat two floors above ousr. Technically the water went into theirs first then at some time it migrated into ours. Since the water ingress was not from a storm and wear and tear on the roof the insurer said it was not covered there fore neither was anything else. I have a strong insurance background. When I enquired because of our policy limits etc. they said We were covered after they listened to their recorded statement to me. They have paid for everything and now have decided they would not pay more than two months which was only £1400. We rented from a Friend of a friend. My husband works down in England so they are doing us a huge favour. the rent is normally £1500. Our policy limit is £25,000
Hope that answers your question.
Please see Building Coverage section 2 under Alternative Accommodation. It basically says if we cannot live in our home they will cover us per month what our home would rent for which actually in our case would be £1,700 up to the policy limit of £25,000. As I mentioned we are only asking for £700. They are not continuing because in the first instance we were not covered, but when I asked a Claims Advisor if we were covered for the internal and Alternative Accommodation she said YES you are. I told them to go back and listen to their recordings, they did and then agreed to cover the claim. They said they felt the have fulfilled their obligation by paying us £700. I told them yesterday I would argue this point... you are either covered or you are not. It is like being pregnant.....you aren't a little bit pregnant now are you? Thanks
Spoke to insurer and they agreed to pay for further accommodation! Of course I told them I had spoken to a solicitor. I do know Insurance law pretty well, thank you for your confirmation!