Hi possibly panicking prematurely but could use some advice. We had a house fire 11 days ago that caused considerable damage to inside buildings and contents. Obviously trying to come to terms with loss of our home and belongings but also worried about insurance. We have cover , they immediately sent out a loss adjuster who was fairly positive about the claim. Also had a forensic person and a company to assess damage. We keep getting told different things, first we were told a company would re house us within 3-6 weeks, then we were told it would be only be for two weeks (looking at 6m before house is liveable). Next we were told to secure our own accommodation which we have done (not Signed anything yet) we were told household items would be rented for us, then told no we would have to buy out of contents money. We were told a company would do inventory then we were told we would have to. Now 11 days in I discovered claim has not been signed off as they are waiting for fire report. I'm worried they are trying to get out of claim. One concern is at time firefighters said smoke alarms failed. I said they were regularly checked (true) and they often go off when making toast etc. I didn't say this at time but they were going off when ds rang me ( he discovered fire) but it seems they may have stopped at some point. I can't remember if I mentioned alarms to forensics or not.
Another concern is that the electrical item that over heated was on ds bed plugged in so concerned they may say it's our fault. (We have accidental damage)
Is it likely they can refuse to pay out based on either of these scenarios. Tia