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Advice regarding insurance claim

1 reply

Lovethatsmile · 10/11/2018 19:22

We recently had a flood in our kitchen. A couple of units and kickboards need replacing. The kitchen was handpainted by me a couple of years ago using a very long-winded process, which followed the advice of a specialist traditional hand kitchen painter, who very kindly provided this advice as we could not afford to hire him to do the job. I am an art teacher, am proficient in painting and watched lots of his videos on the process as well as used specialist brushes/products and followed the process advised by the professional to the letter. It was a labour of love and took weeks to complete. The schedule of work we have received from the loss adjusters states that a painter and decorator will complete the painting of the replacement units. I wanted the same finish and quality on the replacement items so I requested payment to undertake this work myself, to which they have agreed. Since then, we have noticed that during the strip-out work, the workmen have damaged all of the kitchen doors ( a number of small but signifigant chips and scratches on each door). The doors now need extensive spot repairs which involve sanding back in the damaged areas, degreasing, multiple primer layers, denibbing between coats et and i am concerned that the new batch of paint will not be an exact match so wonder whether it would be more cost effective to do a full repaint. I now have a young baby and am not in a position to carry out the repair work myself but am concerned that a painter and decorator will not achieve the same finish ( there have been a catalogue of negligence issues by their contractors in addition to this so am wary of letting them anywhere near my kitchen units). I would really appreciate some advice on how to approach the insurance company: so far i have told them previously that they were handpainted but not who by (although i anticipate they will request proof of the cost of this job soon). Do i disclose that they were painted by myself and state that im unhappy with a painter and decorator? Do i request a qoute from a kitchen painter on how they would carry out the repair and the cost? And would i do this before or after i had notified the insurance company. I feel i should explain the process in detail to the insurance company so they understand that it is a specialist job. Am I in a position to refuse a standard painter and decorator and request a kitchen painter, even though i did the painting myself and on what grounds? I am aware they need to repair the units to their previous state prior to the claim but not sure how to go about this. Thanks in advance for any advice.

OP posts:
TooOldForThis67 · 11/11/2018 17:29

Yes, you are entitled to 'like for like' repair or replacement. It doesn't matter that you painted them yourself. I'd suggest that you get a quote for the necessary repairs and repainting and send it in with a covering letter explaining that this is no ordinary painter/decorator job.
They might come back with the 'matching of items' clause stating that you are not entitled to have the undamaged ones painted. Some insurers may make a contribution. Check your policy wording or ask them. There are bound to be some 'materials' left over so maybe you could pay the contractor the extra labour yourself?

I worked for a major Insurance company in their claims department for over 20 yrs.

Any more queries, please feel free to shout.

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