Three weeks ago I had a mains pipe burst in my house and water come through the ceiling and walls and flood the downstairs. Esure are my home insurers and they sent out a plumber to repair the leak and then they told me, due to the extent of the damage a surveyor would visit to assess resettlement amount.
Two days later the surveyor came, took photos and notes of damage and told me he would phone later that day with a settlement figure. I asked if that could also be emailed to me so I have the figures in writing. He said that was possible but would take a few days because it has to be sent through head office to be checked. I agreed to this as I was going on holiday the next day and knew I wouldn't be doing any work in the house for that week.
When I returned from holiday I still had not received an email so called Imperial to enquire. As of today, three weeks on I still have not received the settlement figure or any email from either Esure or Imperial.
I have called Imperial every few days for an update and each time have been told that it would be sorted the next day.
The reasons I have been given so far are
- There was an email glitch and the report could not be read at head office.
- The surveyor was on holiday and could not resend the report.
- The surveyor has lost the report and it will have to be redone and as he has a very busy schedule this may take a day or two.
- The offices are going to be closed for Easter weekend so nothing can be done till after that (this was a reasonable reason, though I feel that the issue should have be addressed long before this weekend)
I asked Esure to take this on for me as my insurers and the company I am paying and they have told me they have been in touch with Imperial and have been given similar reasons. Yesterday though the advisor at Esure gave me a new reason for the delay, that Imperial had said there had been a problem deciding if my ceiling was covered due to lack of evidence of damage. This cannot be true as the surveyor took photos and notes of the damage and was clear in saying this was covered and I also sent photographs taken the morning of the leak. They also said the report was now in but needs to be verified which will take up to 3 days. This I don't understand as the surveyor told me on his visit he could give me a figure that same day.
I am becoming increasingly upset by this delay and the reasons given and am not sure how to go forward now.
Does anyone have any advice or experience of how to proceed now? I think I will send an email to both companies customer care teams to express disappointment but will probably wait till after the settlement comes through.
Esure does not supply tradesmen to do the work so I need to arrange that too and they have told me I can get quotes anytime but as I'm not sure what settlement figure I am getting and what I will cover I cannot go ahead with that either.
Sorry this is so long, thanks!