Home insurance claim – advice please?

Hi. I am making a claim for accidental damage caused in my kitchen Basically I had a plumbing accident and the kitchen was flooded destroying my lino flooring and causing water damage to kitchen units. My insurer has given me two choices. 1) let their contractor assess and repair the damage, 2) I can appoint my own contractors, forward my insurer quotes and insurer will send me a cheque.

My question is which option should I go for? Option 1 or 2? I have never claimed on home insurence before.

Thank you

Either will work.

However, if you don’t have a contractor that you know and trust – might as well let the one on the insurance company list do the work. Why would you think picking some company’s name out of a phone book will get you a better result?

Usually the contractors on the insurance company list specialize in this type of work and the insurance company will guarantee these repairs. The insurance company will not guarantee the repairs of a contractor you hire.

These contractors are not employees of the insurance company. They are usually an approved list. These contractors get on the list by having a good reputation and meeting certain guidelines for quality and value. And if their work quality drops — they get dropped which can mean the loss of a lot of money to them. The contractor’s don’t want that. The insurance company is like any other consumer — they want good quality work at a fair price.

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