We took a building and contents insurance thinking NFU was the best!! How wrong was I?? We bought an old manse so wanted to have it fully insured.
After suffering a lot of damage during storm Arwin. We had exterior walls down and around 9 trees. The direction of the storm was very clear. The chimney in the direction of the storm damage came down during the storm. It’s taken over a year to get them to pay to have it repaired. A so called surveyor came from Crawford and co came to look at the damage. He looked from the garden for about 2 minutes before taking a picture and leaving. He could never of seen the damage to the roof it being a 3 story building.
I then received an email saying it was wear and tear and wouldn’t cover it.
I am still fighting them over this over a year later.
I have spoken to so many people at NFU who told me different information. I was told at the least they would put a drown up to see the damage. I was also told they would contract another surveyor as the service from the previous one was so bad.
The claim was meant to be escalated to senior staff. I received another letter today saying again they wouldn’t cover the damage same old same old.
I can’t seem to talk to anyone involved with the decision . They are always on another call apparently.
They have said I have to pay for my own contractor to access the storm damage! I thought that was their job??
It’s been a total nightmare! We live in an old house. It is in amazing condition but yes it’s old so they could say anything was wear and tear. What is the point of the insurance?? So it looks like I will have to pay for a contractor to tell them it was storm damage at my own cost.
This is just a joke!! Are they really trying to say my chimney came down by chance during the worst storm in 40 years in this area?
So it goes on…..Do yourself a favour avoid them!! My premium is over £200 a month now with what cover?? They were meant to be the best now it seems they are the worst!
Reviewed on: 6th January 2023
