Liverpool Victoria Business Insurance

Our business experienced serious water damage in April 2013, when mains water flooded our basement office from two floors above. The incident happened on a weekend so water had been pouring into the office for many hours before we discovered the problem. It took a further three days before an assessor came to view the damage. The appointed assessor was rude, unhelpful and gave us worrying advice when we asked how we should approach the necessary office move (essentially, he told us to take out a loan, as the claims process was likely to take so long).

It took many hours of clearing up a huge amount of water, removing damaged equipment, drying out reams and reams of paperwork to make the office safe enough to work in, though it is far from pleasant.

We complained about the assessor. Eventually, we were told - TWICE - a sum that we could expect in compensation - during recorded telephone calls. Luckily, we did not follow the assessor's advice and take out a loan, because LV have only paid out less than half of the sum and now have begun to subject us to ridiculous requests in terms of detailing the damage, for instance "list of damaged components, cause of the damage and each component individually costed" of the water-damaged items. We have been informed by our IT company that the request was "silly."

Communication has been poor and unhelpful. Four months on and the issue is still not resolved.