Delay in repairing flood damage

[deste]

We have finally after 10 months sold our flat. Two weeks before we were due to exchange it was flooded causing £25000 pounds worth of damaged. The flat was uninhabitable so could neither be sold or rented out which it was previously.

The problem we have now is that the delay in the repairs have cost us a lot of money, ie mortgage, electric, water and also maintenance and insurance of the building. We have also lost out on any rental potential we could have had. We feel we should be compensated for the extra costs incurred because of the faffing by all parties involved. These include the insurance company, the contractors and the loss adjuster.

We had so many dates as to when the work would be started from as far back as January but whenever we checked how the work was going would be told that they were waiting for either something to be signed, something to be approved, the contractors to start. They all blamed each other. We have kept all the correspondence.

Any excuse and I have had it. We went to the financial ombudsman and they said the work should have been completed months ago and we should make a claim. Everyone involved said it's not their fault and we have been offered three hundred pounds by the insurance company to cover phone calls etc.

Anyone any idea who we should be claiming against or even if we have a claim.

from your insurers; if it was rented at the time you should have had cover for this.

if the insurers are playing up, that is what the ombudsman is for. Another long battle, I fear.

We had renters but they moved when we put the property up for sale. Do you think we have a claim? Or has anyone been in this situation?

Husband who has worked in insurance industry for long time says depends on wording of policy. His company always pays out for this

I don't think you can claim for loss of rent - if this had not happened you would have sold it and there would not have been tenants, who had left anyway.

but you should certainly have a claim for all the other extra costs incurred.

Thank you, Tangchi does the fact they have offered £300 mean they have accepted responsibility. We have never seen the wording of the policy as we unknowingly paid it with the property maintenance. We were also paying insurance through our bank but that is being refunded.