Hello from yet another user who has had similar problems and needs advice on how to proceed. My house is coming up to 6 years old. At about 4 years old it started to develop v small cracks which soon multiplied. I have a crack over my kitchen door you can almost fit your little finger into its so wide, and dorors are getting stuck when opening and closing - all the telltale signs. Spetmber last year I hired an engineer to look at the house - he took pics and lodged a claim both with premierbond and my house insurance.
Since then, both sent out loss adjusters, and the house insurance crowd sent out an engineer and a guy to test the drains, who confirmed my downstairs toilet outflow is leaking. Heres the bizzarre part - after that, there was no contact from anyone for 4 months until I started calling and hassling them. I then got letters back from both loss adjusters - the house insurance crowd one said they "are satisfied that the damage does not arise as a result of an insured peril", and the Premierbond one states that 'in the absence of any evidence on causation the matter should be handled by previous insurers under their household policies." My house insurance also refused to re-insure me when my last policy ran out stating the house was not in a fit state of repair, so now if the house cauight fire or got robbed I'd be left with nothing. I was hoping to rent it out while I return to college in Dublin in September and now I cant becuase of all tis, and will be commuting from Offaly every day. In short, disaster.
I re-contacted the engineer, who said that samples need to be taken from the house, and that this had to be done with the insurers knowledge etc, but since then nothing has happened. I feel let down by him, by the insurers, and dont know how to progress. Should I get the services of another engineer or should I take the legal route? The house is 6 years old in November - I also heard that this is the time limit on which one can make a claim against the builder for defective workmanship etc. and am nervous of this date passing me by?
Any advice on how I should proceed would be most welcome.