insurance job

[howard]

Ive just been to do a quote the lady has asked me to do a report to tell her insurance company why her floor tiles have come up so i lifted a couple and guess what they have been dot & dabbed. Ive told the lady its poor workmanship that's why they are lifting & cracking so my question is if i put this in my report is it likely her insurance will not pay out or should put some other reason instead
cheers
howard

 

[Spud]

just tell the truth ,its not up to you to commit fraud on her behalf, sorry to be harsh but that is what you will be doing if you make up a story for her

 

[TilingLogistics]

Ive just been to do a quote the lady has asked me to do a report to tell her insurance company why her floor tiles have come up so i lifted a couple and guess what they have been dot & dabbed. Ive told the lady its poor workmanship that's why they are lifting & cracking so my question is if i put this in my report is it likely her insurance will not pay out or should put some other reason instead
cheers
howard

I do loads of these reports for insurance companies. I never put the reasons for the failure only what I found and what needs to be done to put it right. At the end of the day you only have your suspicions and you are probably right but be very careful making statements like "The reason for these tiles lifting is because they were dotted and dabbed" There could be underlying reasons. So try to be factual with your findings and suggest a method statement to remedy the faults. Try not to elaborate too much because it may come back and bite you up the A**e.

Here is one I did it does not relate to tiling but it will show you what I mean:

On Headed Paper of Course

6, St Johns Way
B9* ***

Tel: 01564 774600
Mob: 07770 598855
E Mail: [email protected]

?????????????
B108 4BG


21st February 2008

To Whom it May Concern,

IM GROUP - INVESTIGATION AND REPORT OF 5000M2 STONE FLOOR

Our report as requested on the investigation of the above floor a result of our consultation visit on Monday 21st January 2008 is as follows:

Although we cannot be 100% certain as to the exact nature of the stone (I would suggest that the opinion of a suitably qualified Geologist be sought for this). The appearance of the stone and the type of damage visible is consistent with a growing number of similar installation problems I am seeing.

In my opinion, it is likely that this stone, although sold commercially under the umbrella term of ‘granite’ is not geologically speaking, a true granite. Instead it is likely to be a similarly formed, igneous rock (for example, basalt). Such stones can be highly susceptible to damage even by the weakest acids (such as found in wine, fruit juice, vinegar and coffee). This was confirmed by the test I carried out with lemon juice on my visit. The fact that the fine matrix is lightened (etched) yet the larger porphyritic crystals remain undamaged is evidence that there is a fair degree of calcium in the matrix; this is not typically a characteristic of true granite. Given the proven acid-sensitivity of this stone, I am firmly of the opinion that whatever remedial work may be undertaken, the potential for similar damage to re-occur will remain.

In order to minimise visually further damage, our suggestion would be to grind the floor with sintered diamonds to remove the lippage present and hone the surface to a level acceptable leaving a semi gloss finish. This process will not solve the problem but any further damage that re-occurs will be less noticeable. Furthermore the floor will be easier to maintain in the future.


The exact cost of this process can only be calculated once further testing is carried out in order to determine how long the process will take and the manpower required. A rough estimated price based on working out of hours and re-sealing would be around £ per M2.

I trust the information supplied is sufficient for your current needs. If you require any further clarification please do not hesitate to contact me.


Yours sincerely




Kevin Martin
Tiling Logistics



This report is intended to provide helpful advice and guidance only. Any advice, opinion or recommendations given in this report are given on the understanding that the writer shall not be liable either in law or in tort, for any damage or problem arising out of the use or misuse of such advice, opinion or recommendations

Hope that helps

Kev

 

[BDS]

^^^^ And on the other hand if insurance know its down to bad workmanship they usually tell customer its down to previous tiler,in some cases they might pay so much to it,wouldn`t hold your breath tho.Myself i`d give them quote and leave it to them.

 

[medlar]

give them the reason "you suspect" the tiles are lifting.
what work you would undertake to rectify the job,including what materials will be used,then a price.
then its up to the customer or her insurance company.
What ever you do DO NOT say " this IS the reason why the floor failed,because it may not be because of the dot and dabbing (although it probably is) it could also be the wrong addy used,it could also be too much movement in the floor,etc etc

 

[bigandy]

as all the above stated keep it to a generalization, that you can not be 100% as to the reason however with your knowledge. etc etc

 

[howard]

great advice lads it has certainly made me think twice about this job

 

[Fred]

If I get a call re insurance, I now tell them its £150.00p per report, taken off final bill if I get the job. I'm tired of time-wasters.

 

[CJ]

As above :veryangry:

I don't do insurance reports anymore...............done a fair few in the past. Never to be heard from again :beatdeadhorse5:

 

[howard]

Ive been thinking about this job & it seems the lady has called me out because she needs a new floor down & wants her insurance company to pay for it

 

[bigandy]

Sounds like a washing machine leak(ahem)

 

[TilingLogistics]

As above :veryangry:

I don't do insurance reports anymore...............done a fair few in the past. Never to be heard from again :beatdeadhorse5:

It's the other way for me every report I do I charge for and by doing that you seperate the messers and I always seem to get the job. I then state if they engage me they get their fee back off the estimate. It seems to work for me!

Kev