ChatterBank0 min ago
Rain Damaged Roof, & Ceiling Help Pls....
My Ex Wife's landing ceiling started leaking about a month ago after a heavy storm, and two days later the plaster board began to fall off the joist.
To cut a long story short, Insurance company came, and she had to get 2 quotations, which she did and the I/C gave the go ahead for replacing the landing ceiling, which has 4 bedrooms & a bathroom coming off it.
When the work began, the plaster told her there was small damage to the roof tarpaulin, which he says could have been the cause of the leak, and to let the I/C know, as it would need repairing.
She did this today, and the I/C have told her she could be responsible for the replacing of the tile/titles, as she should have had the roof maintained.
As this would need scaffolding, it would appear to be an expensive job, so are the I/C trying it on, or would it be their responsibility?
Its not an old house, but not sure of its age till tomorrow.
To cut a long story short, Insurance company came, and she had to get 2 quotations, which she did and the I/C gave the go ahead for replacing the landing ceiling, which has 4 bedrooms & a bathroom coming off it.
When the work began, the plaster told her there was small damage to the roof tarpaulin, which he says could have been the cause of the leak, and to let the I/C know, as it would need repairing.
She did this today, and the I/C have told her she could be responsible for the replacing of the tile/titles, as she should have had the roof maintained.
As this would need scaffolding, it would appear to be an expensive job, so are the I/C trying it on, or would it be their responsibility?
Its not an old house, but not sure of its age till tomorrow.
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I assume that the Buildings insurance cover includes Storm Damage, and the claim that the insurers have approved was made under this section, not for a leaking water tank or burst pipe. The insurance assessor should have checked to ascertain where the water originated, and noted the damage to the roof.
If the insurance covers storm damage, go back to the insurers claims handlers and insist that the roof repairs are included within the original claim.
Dependant upon the height above ground, some roofers will work off ladders, obviating the need for scaffolding - I had some of my ridge tiles replaced/reset by a roofer using ladders (his choice) after a storm had dislodged them, although the assessor had included an estimate of the cost of scaffolding in his offer recommendation to the insurers. I think that there were so many claims after that storm, the insurers were quickly paying out at the lowest offer they thought would be acceptable, without requiring estimates.
If the insurance covers storm damage, go back to the insurers claims handlers and insist that the roof repairs are included within the original claim.
Dependant upon the height above ground, some roofers will work off ladders, obviating the need for scaffolding - I had some of my ridge tiles replaced/reset by a roofer using ladders (his choice) after a storm had dislodged them, although the assessor had included an estimate of the cost of scaffolding in his offer recommendation to the insurers. I think that there were so many claims after that storm, the insurers were quickly paying out at the lowest offer they thought would be acceptable, without requiring estimates.
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