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Insurance took a while over 15 months to repair the fire damage to a rental in Manukau, where Tenants accidentally caused in June 2017 & it still is in progress in a very slow pace
Insurance cover is comprehensive with landlord cover however, it stopped paying the Loss of Rent after January 2018.
When explained to the Insurer after numerous attempts, it appears that they are reviewing to pay the Loss of Rent , for up to 12 months, however we still did not get anything in writing.
It appears, the delay is purely the construction company was mucking round with their contractors and Insurance company has not been keeping any communication with us since the inception of the claim.
In the interim there was a minor storm damage as well in April 2018 , that the same company got involved (under a storm claim) however there still are pergola and garage damages those are not fixed.
When spoke to the initial claims handler he said as the fire claim is in 'major category damage ' it has been put through to a different team to a different claim handler. He NEVER has got in contact with us with any updates.
We have been asked not to enter the site by the construction company unless they invite us to do so or we seek permission from them as it is deemed to be a building site since the fire event.
As no any communication from either side we went to the premises and found
that the garden is a jungle and lounge & kitchen* has been repaired however wall cupboards /doors are warped and hard to close and wall papers of the rooms are now warped & coming off and the smell of Fire still exists.
Finally after several contacts been made , got the contractor company to meet us on site to view the house this week.
* They have replaced the lounge , the kitchen * , however the kitchen* layout was different, it misses out several cupboards and does not have the breakfast bar it had had , instead a 2 x narrow strips of cheap cupboards. We asked that we need the kitchen in original state of outlay ie with the breakfast bar installed .It's more work for them and building company rep said that it will take longer with the kitchen company to reinstall it to original state.
* there was no dishwasher or space for dishwasher
* Bedrooms have not been painted instead they are going to paste the wallpapers those peeled off with glue ? Walls still have marks of fire damage but they are going to set up Ozone machine to remove the smell of fire? They said the warped walls and hard to close cupboards are not part of fire damage ?
*Bathroom walls bath and shower all looked distressed worn out ,vinylling shrunk, however, they are going to paint the bathroom ONLY and will not replace the bathroom instead will clean up the shower bath and lights etc ?
* It was found that the insulation has been done ONLY to ceilings. It has been a rather large renovation for over 15 months in Insurance perspective a Major Claim. We have been told by the building company rep, that they do not insulate the underfloor and walls as they were not there before the fire - however , we have been informed by a friend who got her house fire damages fixed by her Insurer, that it must have been repaired to the current building code including the underfloor and wall insulation ?
Just thought of checking with you what's your thoughts like, how to get those straightened and where to from here ?
Also, as kitchen has now been already fitted is it reasonable to ask monetary settlement for $10 - $12k rather getting them revamped, because we too will be going away soon on a brief holiday and cannot afford house been untenanted ?
Any suggestions , do's don'ts at all ?
Thanks a lot for your thoughts suggestions tips !
Insurance cover is comprehensive with landlord cover however, it stopped paying the Loss of Rent after January 2018.
When explained to the Insurer after numerous attempts, it appears that they are reviewing to pay the Loss of Rent , for up to 12 months, however we still did not get anything in writing.
It appears, the delay is purely the construction company was mucking round with their contractors and Insurance company has not been keeping any communication with us since the inception of the claim.
In the interim there was a minor storm damage as well in April 2018 , that the same company got involved (under a storm claim) however there still are pergola and garage damages those are not fixed.
When spoke to the initial claims handler he said as the fire claim is in 'major category damage ' it has been put through to a different team to a different claim handler. He NEVER has got in contact with us with any updates.
We have been asked not to enter the site by the construction company unless they invite us to do so or we seek permission from them as it is deemed to be a building site since the fire event.
As no any communication from either side we went to the premises and found
that the garden is a jungle and lounge & kitchen* has been repaired however wall cupboards /doors are warped and hard to close and wall papers of the rooms are now warped & coming off and the smell of Fire still exists.
Finally after several contacts been made , got the contractor company to meet us on site to view the house this week.
* They have replaced the lounge , the kitchen * , however the kitchen* layout was different, it misses out several cupboards and does not have the breakfast bar it had had , instead a 2 x narrow strips of cheap cupboards. We asked that we need the kitchen in original state of outlay ie with the breakfast bar installed .It's more work for them and building company rep said that it will take longer with the kitchen company to reinstall it to original state.
* there was no dishwasher or space for dishwasher
* Bedrooms have not been painted instead they are going to paste the wallpapers those peeled off with glue ? Walls still have marks of fire damage but they are going to set up Ozone machine to remove the smell of fire? They said the warped walls and hard to close cupboards are not part of fire damage ?
*Bathroom walls bath and shower all looked distressed worn out ,vinylling shrunk, however, they are going to paint the bathroom ONLY and will not replace the bathroom instead will clean up the shower bath and lights etc ?
* It was found that the insulation has been done ONLY to ceilings. It has been a rather large renovation for over 15 months in Insurance perspective a Major Claim. We have been told by the building company rep, that they do not insulate the underfloor and walls as they were not there before the fire - however , we have been informed by a friend who got her house fire damages fixed by her Insurer, that it must have been repaired to the current building code including the underfloor and wall insulation ?
Just thought of checking with you what's your thoughts like, how to get those straightened and where to from here ?
Also, as kitchen has now been already fitted is it reasonable to ask monetary settlement for $10 - $12k rather getting them revamped, because we too will be going away soon on a brief holiday and cannot afford house been untenanted ?
Any suggestions , do's don'ts at all ?
Thanks a lot for your thoughts suggestions tips !
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