Damage to home - Insurance payout?

Damage to home - Insurance payout?

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Discussion

iDrive

Original Poster:

416 posts

114 months

Tuesday 31st March 2015
quotequote all
Hi

The WaterMeter in our home recently "failed" causing a significant flood to a room 6m x 4m.

Anglian Water came within 24 hours and confirmed that it was a fault with the meter (rather than damage caused by us) and that they would be liable for damage caused.

I spent a day emptying the room, removing the carpet etc, and the carpet and underlay were beyond repair.

I have a "like for like" quote to replace the carpet of £1400, and a lower quality (bargain basement) carpet is £893.

The only item of furniture I have not been able to dry-out is probably worth £40.

Given how quick Anglian were to visit and accept responsibility (they also removed the damaged carpet, which I had taken out of the house), their insurer seems to have boots of lead.

I have provided the carpet quote and been told that they "deal with claims in date order and it will probably be another week before we get to yours"

The floor is concrete and we can manage without using the room for a few weeks.

My question is;

What can I reasonably expect to receive and can I expect to receive a payment rather than an offer to settle an invoice for a new carpet? (I would like to take the opportunity to tile the floor rather than re-carpet, and so will pay the difference)

Any advice gratefully received - I have never made an insurance claim before.

Thanks!