MegaSack DRAW - This year's winner is user - rgwb
We will be in touch
So we've had a quote to replace some ridge tiles and a few cracked tiles resulting from the recent stormy weather. It's from a work friend's husband who's a builder and he's said he'll do it for £300 next week.
I'm wondering now if it's better to pay out of my own pocket and cancel the insurance loss adjuster coming round to take a look tomorrow. That way I should hopefully avoid next year's premium shooting up and if it does I'll be able to shop around without a recent claim to my name. On the other hand the loss adjuster might offer us a grand or more to get it fixed...
What would you do?
Claims make very little difference to home insurance premiums. Surprised they're sending a loss adjustor for such a small claim. When ours was damaged six years ago the insurers just said "get quotes and sort yourself if less than £500 and we'll refund you- if it's more than that phone us back."
I'd always go through insurance but depends how quick they can do the repair.
Thanks for that wwp, from the conversation my wife had with the insurance yesterday and the fact they wanted our bank details to pay us directly, I get the strong impression whoever comes tomorrow will say 'we reckon that will cost £x to fix, we're going to pay that into your account and you sort it out from there, if it's a lot more get back to us'. Think we will go with the insurance given what you said about premiums, cheers. I think they are sending someone out as we only switched our insurance to them last week!
If you go through the insurance you have some protection should a shoddy job be done.
We had mini tornado hit our place a number of years ago. There was a bit of damage to the house roof and some slates where pulled off an outbuilding and thrown through the asbestos bound concrete roof of the barn . Insurance company were pooping themselves about replacing the 5 or 6 sheets that were damaged so they gave us £12k and we had the entire rood removed and replaced with powder coated steel for the same money 🙂
Premium didn't go up.
If they are going to put the premium up, they do it because the event shows you're a bigger risk, not because you actually made the claim. You've already told them, so not claiming now won't change anything - and they probably won't put the premium up anyway.