Premier Guarantee

[criso]

Sorry this is so long.
We are in the process of trying to claim for a substandard roof under the premier guarantee. The developer stopped trading soon after completion though I believe the MD started up under a different name. There is of course a per claim excess of £1000. We contacted premier and they said that each point at which the roof leaks is a separate incident. In addition any internal damage done to plaster etc as a result of the problems in the roof attacts a separate excess. So if the roof leaks in places and this has caused problems internally there would be a excess total of £6000. There is a good chance the entire roof will have to be replaced. I would have thought that a substandard roof counts as one incident and the damage done as a result is part of the same claim. Scaffolding will have to put up and I would think we would get one bill from the roofer.

Anyone have any thoughts on this and what recourse we have?

[Tony]

I think they are being unreasonable, and they will need to buck up their ideas if they really want to be considered as the 'third choice' for new build warranties.

They do have a complaints proces. I am not usre if you have been through it yet:

[ol][li]Write to:
The Complaints Officer,
MD Insurance Services Limited,
Haymarket Court, Hinson Street,
Birkenhead,
Wirral
CH41 5BX
[/li]
[li]Write to:
Complaints Department
Lloyd’s
One Lime Street
London EC3M 7HA
Tel: 0207 327 5693
E-mail: complaints@lloyds.com
[/li]
[li]If you are still not satisfied, you may refer the matter to the Financial Ombudsman Service[/li][/ol]

I would also e-mail your local trading standards office and you could also try this service:

http://www.chooseinsurance.co.uk

[criso]

We are just in the initial stages and we intend to query this but I am trying to arm myself with as much information as possible. Certainly intend to complain if they persist.