Insurance claim for contents

[womaninatightspot]

Had a partial collapse of a roof in the barn 10 days ago. Firm came round today at behest of loss adjuster to photograph and catalogue damaged goods. Just wondered if any one has any experience from this point until payment. Also does insurance insist you rebuy goods then request payment or do they pay you directly normally?

bumpity bump

no-one can answer this except your insurers. Sorry.

Not a partial roof collapse but we had a fire accident in our kitchen. I reported it, did a video which I uploaded to a portal. I was then emailed and asked to get two quotes. Got those, uploaded them and was given a bank transfer the following day for the cheapest quote minus our excess.

In your case, you’d need your policy to see what their replacement clauses are.

Who are you insured with?

They will list the items that can't be restored or cleaned and insurers will most likely have a supplier to replace these on a like for like basis. They will also have a supplier who can clean and restore the remaining items.

They've taken a couple of items to be restored. I'm insured as a new for old basis. Expensive insurance. Everything they wrote off has gone in a skip they delivered. A lot of the stuff was bought in better times financially speaking so I'd rather have the cash and replace stuff when needed like power tools.

Depending on the insurer it may be that they give you the option of either the items or the cash value.

NFU Mutual are likely to do this, AXA aren't so likely to