Originally Posted by Tim M
No offer until about 2 weeks ago. Was paid out today. They sent an investigator about a week after the theft, and then took about 5 months (with me hassling them) to do anything else.
A high level view is that once an offer was made its been pretty quick. The delay would appear to have been with the appointing of the loss adjustor (investigator) and thier relationship with the insurer.
(I'd add it is possible that Towergate are 'just' the broker, or they could be acting as an agency etc or have authority given to them by an insurer to settle claims of a certain amount. - its impossible for me to say so I'm covering lots of options and assuming the most 'common')
I think I've mentioned before the loss adjustor is paid by the insurer - so not in any way impartial as some lead to believe- but getting a 'good' one is priceless. In reality you either need a good broker (like me !) or you need to be thier best mate and show the loss is real & valuable and you just want a fair and quick settlement.
I'd feel five months is way too long if you really have chased them. Alas sometime the only way to progress things is make a 'formal' complaint (a complaint is technically any expression of dissatisfaction - and thats not moaning about price) .
You may have a good case to look to something for you loss of earnings due to their delay (google business interption cover for more info on this). This would be outside of your policy cover (I expect) and maybe fall into thier own cover ....
Its all a bit vague as I just dont know enough specifics .......
I'll get my coat now as I try not to get too into this stuff on here but am happy to chat through etc on 1:1 or by PM.