Dishwasher leak in almost ccomplete new kitchen, my entitlements

[Runningoutofideasforausername]

Hello.
My home was in the final stages of a full renovation when we suffered a serious dishwasher leak. This damaged new wooden floor in the kitchen among other things. The issue was a failure of the water protection in the dishwasher (brand new) and nothing to do with the installation.

The manufacturer has referred us to an independent loss adjustor who will sit between all parties including the manufacturer's insurance company who will ultimately pay the costs to fix the damage. They have said they will pay all "direct damages" caused by the leak. This seems straightforward enough, however, I am without a proper functioning kitchen (we have been living in the property while works were ongoing) and this has pushed the completion of the project out by 2-3 months.

I have a working oven and a fridge but nothing else (no sink etc) so am washing dishes in the bathroom/sometimes eating from paper plates. Aside from all the stress, time wasted getting quotes to fix the work etc etc, I would have expected more from the manufacturer (their appliances costs typically double most others) to make good the indirect damages caused.

I did speak with my insurance company (I am covered but won't be claiming through them as manufacturer has held their hands up) and they mentioned setting up a temporary kitchen for claims they had previously had. If the appliance company in my case only pays for direct damages, I am not really put back in the position I was in prior to the leak as I will have lost months dealing with the fallout.

Does anyone have experience in this area?

Thanks in advance!

Why do you have no working kitchen sink just because the dishwasher is leaking ?

Kitchen sink had yet to be installed (same with countertops) ...so only oven and fridge currently in. All renovation works stopped pending sorting out the mess.

@Diyextension i presume it’s because the floor should be refitted before finishing the rest of the kitchen, which was still a work in progress when the leak occurred…?

Oh sorry OP, cross post and answering for you… a double whammy !

I was just going to say… you mention that you’re not going through your own insurance because the manufacturer has held its hands up. Except it hasn’t really… it hasn’t accepted the blame for the indirect costs that have been caused by their faulty appliance. So (and I’m just guessing here) wouldn’t that mean it is indeed appropriate to go through your own insurance?

The issue with going through my insurance is (1) there is a £600 excess, (2) will affect my no-claims bonus (if such a thing works for home insurance?). And, I am still hoping the manufacturer will make a 'grand gesture' so to speak to cover the serious inconvenience etc. (not having a hob is a bigger pain than you might imagine!)

Bump ...

Insurance is there to claim from. Weigh up what your insurer covers you for vs the excess.
However they won’t give you any money just because you’re washing dishes in the bath and eating takeaways for a bit longer.

So, as there's been an issue with the dishwasher there'll be a recovery against that company for the insurance stuff end on this claim.

If you claim on your own insurance it may be easier. There would still be the recovery aspect so it wouldn't affect your premiums

Your insurers can then arrange a kitchen pod, drying, reimbursement of the electricity used whilst drying and the final repairs to the kitchen.

Yes, this is a good point re the back to back recovery by my home insurers - I will bear that in mind. Waiting to hear back from the manufacturer's insurer first (via the independent loss adjustor) and see what they are offering. The threat of taking it to my home insurers might help them better see it from my perspective.