I receive an email from Alison, my personal claims manager at Asprea. She tells me that she has been discussing my claim with Aviva and that she appreciates my concerns with regard to the contribution. She tells me that a possible solution may be if I were to complete the works myself and she asks if I would consider the option of a cash settlement and appoint my own contractor to do the work. She tells me that this means that I would not have to pay any money up front and instead they would offer me a settlement figure and if accepted they would issue me with a cheque to enable me to complete the works myself. Alison tells me that if this is an option I would like to pursue I should advise her and she will put together a settlement figure for me. She says that this settlement figure will be based on how much it would cost the insurance company to complete the works and would also honour the offer from Aviva of paying 50% towards the undamaged items that I am not covered for.
I reply to Alison to say that if I were to take this course of action I would have to be certain that I could get all of the necessary repair work completed, to an acceptable standard, for the sum of money that was agreed. This would involve me having to get comprehensive quotes from reputable companies for the cost of the work. I tell her that whilst her suggestion could well be a way forward, I do not want to go to all the time and trouble of obtaining costings if there is no intention on Aviva’s part to be mindful of the fact that I don't want a sum of money that will only enable me to get half the job done. We had the bathroom done professionally 4 years ago and I do not want the professional job we had done to be replaced with a poor quality DIY job. I say that perhaps if she could put some costings together for me to consider I can take the matter from there and let her know.
Later in the day Alison replies to say that she has split the scope to show a full and final settlement figure of £2848.33. She tells me that I should be advised that this figure is full and final. It is the cost to the Insurance Company to complete the works at my property.
Alison advises that they would not accept any quotes from another builder. The options would be to accept the figure above as full and final or, if not acceptable, Asprea to fulfil the works after a contribution from me of £590.26 was paid.
She tells me that if neither of the above is acceptable, the only other option would be for me to approach the FOS as advised by Aviva.
I reply to Alison to thank her for clarifying the position. I tell her that I have already contacted the FOS but that in the meantime I am still waiting for replies to the issues I raised in my email to Mark at Aviva on the 2nd February 2011- a copy of which I sent to her on the 14th of March.
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