The Virtual Pub
Come Inside... => Saloon Bar => Topic started by: Snoopy on June 27, 2007, 06:55:36 PM
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Kitchen extension has sprung a leak. Could be the rain we've all had but it seems to have been going on for some time, behind wall cupboards etc, so I think maybe the recent heavy rains have brought it to attention.
Have now remove said cupboards and Holy Cow it's a mess. Just got off the 'phone to the Insurance Company but do not hold out much hope. Looks like the savings are going to take a hammering! Not happy! censored:
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Not Happy, I'm here to help!
Why must everybody make everything bigger, compensation? Throw the breadmaker, ice cream maker, kenwood food prcessor et al away; they're only clogging up the cupboards.
Also, you should feel very happy that the water has chosen to live in your premises. Rats give my abode a wide berth. Perhaps the garden was just fighting back, a nice new water feature...
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My neighbour's garden is full of sewage. Ours, for once, is not. lol:
Poor Snoopy cry:
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Oh Happy Day lol: lol: lol:
The insurance assessor has just left. ~ We are getting a new kitchen ceiling, new electrics and a partial redec (as we had already started on the redec they won't finish it. My contri = £50 for the excess. YIPPEE!
Can we have a clicking heels emoticon please?
(https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fimages.wikia.com%2Funcyclopedia%2Fimages%2Fthumb%2F6%2F6d%2FSnoopy_happy_dance.jpg%2F180px-Snoopy_happy_dance.jpg&hash=81cb8f6c8ea0be69bd1c8f33579f110cef5fb8f0)
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Good job. Bear in mind though, that details of your claim will be put on a nationwide insurance database and they will have an eagle eye on you. Wrong, but true.
:-(
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Yes ~ I know about that and this is my second claim in 5 years but it is an old house and they have accepted the risk (and the premiums!).
I have nothing to fear except increased premiums next year and my policy does have a built in No Claims protection!
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Looks like you'll have to get a man in...*
* not Nick ! scared2:
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Daft Beagle - they will fuck you come renewal time.
Still, all the rain in Sheffield now means that the streets are alive with the sounds of "Great, super, smashing" now that those dozy bastards who won on Bullseye can actuaully use the speedboats they won :-)
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Daft Beagle - they will fuck you come renewal time.
Still, all the rain in Sheffield now means that the streets are alive with the sounds of "Great, super, smashing" now that those dozy bastards who won on Bullseye can actuaully use the speedboats they won :-)
Yeah Yeah ..... so your alternative would be????
(i) Sell the house with the kitchen ceiling caved in?
(ii) Try to DIY (Remember I am disabled and I suspect the job is beyond the wife's skill level)?
(iii) Live in a house with the kitchen sealed off for all time?
(iv) Pay out the requisite ?2k (est) myself?
(v) Claim on my buildings insurance, get the problem professionally fixed and move on?
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You have made the only choice open to you really, my comment was only a "heads-up" sort of thingy.
Too many people make stupid claims - and we all pay for it eventually. Deserving causes like yours are unfairly penalised. Which is wrong.
PS which company was the loss assessor from - that makes a difference.
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You have made the only choice open to you really, my comment was only a "heads-up" sort of thingy.
Too many people make stupid claims - and we all pay for it eventually. Deserving causes like yours are unfairly penalised. Which is wrong.
PS which company was the loss assessor from - that makes a difference.
Liverpool Victoria ~ who sub the job out to "Local Contractors" ~ in this case XXXX Building Contracts Ltd, whose HO is in this village!
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Therein lies the problem - local traders ripping the piss out of a "panic" situation. Happened in 1987, we are still paying the price...
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Indeed ..... but then we who pay insurance premiums are still paying for disasters like the tsunami, the sinking of the Titanic and Lord alone knows what. Like bookies the insurers will come out on top.
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I don't mind paying for insurance, it seems the sensible thing to do, cf. Snoopy's claim.
I did hear that there is a possibiliy that some people who weren't insured and affected by the recent floods will get payments from the Social Fund, e.g. me. Another case of the government rewarding stupid behaviour.
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I don't mind paying for insurance, it seems the sensible thing to do, cf. Snoopy's claim.
I did hear that there is a possibiliy that some people who weren't insured and affected by the recent floods will get payments from the Social Fund, e.g. me. Another case of the government rewarding stupid behaviour.
Come on Mort, where's your sense of charity.
These people without insurance prolly had more urgent things to spend their money on - fags, stella, nokia n95, nintendo wii etc etc etc.
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I don't mind paying for insurance, it seems the sensible thing to do, cf. Snoopy's claim.
I did hear that there is a possibiliy that some people who weren't insured and affected by the recent floods will get payments from the Social Fund, e.g. me. Another case of the government rewarding stupid behaviour.
Come on Mort, where's your sense of charity.
These people without insurance prolly had more urgent things to spend their money on - fags, stella, nokia n95, nintendo wii etc etc etc.
According to the BBC interview with a Government Minister (I forget which one 'cos they're all new) this morning those entitled to benefits can apply for emergency assistance in the form of emergency grants and/or emergency loans. Those in employment and not in receipt of means tested benefits will be able to apply for an emergency loan. The maximum anyone will be able to apply for is apparently ?5k, each application, supported by evidence of the loss incurred and the lack of insurance cover, will have to meet predetermined criteria and will, in most cases be repayable by means of deductions from pay or benefits.
One category mentioned was those who do not have insurance cover where insurers have refused to provide it because of previous or known flooding risks. You cannot blame someone who has been housed in property built by a local authority on a known flood plain.
Large areas of Rhyl and Prestatyn, as an example, are currently listed on the Dept of Environment web site as a known flood risk. The "flood risk" is based on the unproven theory that "Global Warming" will cause sea levels to rise and much of the area mentioned is at or below sea level. Insurers are refusing cover and people are finding that Building Societies are now refusing mortgages for these properties.
Not everyone is scrounging ~ some are just plain unlucky.
The stupid behaviour involved here has been shown by successive Governments who have encouraged building in such areas and are still doing so. Just look at their plans for the lower reaches of the River Thames area and remember that the Olympic village which is to revitalise the East End of London is being built on a known swamp.
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Large areas of Rhyl and Prestatyn, as an example, are currently listed on the Dept of Environment web site as a known flood risk.
I'm sure flooding is way down the risk level for residents of these areas...
Just look at their plans for the lower reaches of the River Thames area and remember that the Olympic village which is to revitalise the East End of London is being built on a known swamp.
Yup, that's London pretty much summed up, dingy hovel!
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...supported by evidence of the loss incurred and the lack of insurance cover, will have to meet predetermined criteria and will, in most cases be repayable by means of deductions from pay or benefits.
Well that's alright then.
Come on Mort, where's your sense of charity
Seriously, I don't know. I was brought up to provide for myself and never to expect help from others. I guess I tend to think others should do the same.
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Farmers get subsidies for everything, even if, say their turkeys die. If my cat gets ill I have to fork out.
Maybe we should make cats a farm animal?
runs for cover
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Farmers get subsidies for everything, even if, say their turkeys die. If my cat gets ill I have to fork out.
Maybe we should make cats a farm animal?
runs for cover
They will once they start appearing in Butchers' shop windows.
At the moment your cat is a pet ~ once it becomes a cash crop you'll get a subsidy.
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Farmers get subsidies for everything, even if, say their turkeys die. If my cat gets ill I have to fork out.
Maybe we should make cats a farm animal?
runs for cover
They will once they start appearing in Butchers' shop windows.
At the moment your cat is a pet ~ once it becomes a cash crop you'll get a subsidy.
And not only that, but you'll be able to apply for payouts for not raising cats too - something like set aside. You'll be on a real winner, you could not raise dogs, gerbils, pigs, goats, horses - the sky's the limit.
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I have no toads.
What are they worth?
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I have no toads.
What are they worth?
eeek: eeek: eeek:
What's that you're saying?
Chez Nick is a toad free zone?
How about badgers? There must be some of those lying around somewhere?
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If anyone eats it, animal, vegetable or mineral, there's a subsidy.
Do I look worried?
Perhaps you should mention your moggy to the "Golden Wongs of Wirral" takeaway?
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Farmers get subsidies for everything, even if, say their turkeys die. If my cat gets ill I have to fork out.
Maybe we should make cats a farm animal?
runs for cover (https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fwww.glboards.com%2Fboards%2Fimages%2Fsmiles%2Fscared1.gif&hash=cf9c839cc6d0f7d27017abd639d03b3b30714772)
Oi.......just you watch it ...... some of us moggies prefer to be pampered pusses (https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fwww.glboards.com%2Fboards%2Fimages%2Fsmiles%2Fhkanigif0003.gif&hash=41bb0046e1c71716efc7bd9c1c98ea97b1684eea) not common farm animals.....Shudder! (https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fwww.glboards.com%2Fboards%2Fimages%2Fsmiles%2Fcat7.gif&hash=b5c87905b0af511f68bf8814dcf10c4dc579ef0f)
What do you think young pup? (https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fwww.glboards.com%2Fboards%2Fimages%2Fsmiles%2Fmysnoop2.gif&hash=a75efe3dbcd025b4d4e7bc191bb45901fae41ec6)
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Farmers get subsidies for everything, even if, say their turkeys die. If my cat gets ill I have to fork out.
Maybe we should make cats a farm animal?
runs for cover (https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fwww.glboards.com%2Fboards%2Fimages%2Fsmiles%2Fscared1.gif&hash=cf9c839cc6d0f7d27017abd639d03b3b30714772)
Oi.......just you watch it ...... some of us moggies prefer to be pampered pusses (https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fwww.glboards.com%2Fboards%2Fimages%2Fsmiles%2Fhkanigif0003.gif&hash=41bb0046e1c71716efc7bd9c1c98ea97b1684eea) not common farm animals.....Shudder! (https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fwww.glboards.com%2Fboards%2Fimages%2Fsmiles%2Fcat7.gif&hash=b5c87905b0af511f68bf8814dcf10c4dc579ef0f)
What do you think young pup? (https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fwww.glboards.com%2Fboards%2Fimages%2Fsmiles%2Fmysnoop2.gif&hash=a75efe3dbcd025b4d4e7bc191bb45901fae41ec6)
It's a well known fact that in order to form an opinion about you we canines need to stick our cold noses up your bum. This is why dogs chase cats. Dogs want to stick their noes up yer bits and cats don't like it so they run away.
Accordingly I am unable to offer an opinion. <returns to chasing own tail>