'Disturbance allowance'

A question about : 'Disturbance allowance'

We were flooded in July and were meant to be rehomed, however with two large dogs and thousands of others in the same situation,we were unable to find alternative accommodation.

Our insurer muttered something about financial recompense should we be unable to find somewhere else.

Since then we have heard nothing from him about this (surprise, surprise!), and after living in a shell of a house for more than 10 weeks I'm quite keen to know how much we can expect to receive from our insurers. So does anyone know, or can hazard a guess how much 'disturbance allowance' we can expect to be offered?

Best answers:

• Hi there, sorry about the flooded house, I sympathise as were flooded out as well in July and was 41 weeks pregnant at the time (we don't do things by half!), baby was born a few days later and I was in hospital with her for a little while so by the time we came to look for alternative accommodation anything baby friendly in the nearby area had gone!
  We're now in alternative accommodation which we found ourselves so I can't help with how much recompense you might get but I know our loss adjustors had set up a team to help people find alternative accommodation if they were struggling or unable to do it themselves - has your loss adjustor not got one of these?
  Also my mum had a friend flooded out in Yorkshire in the floods earlier in the year and her dogs were put in nearby kennels for the time she had to be out of her house (paid for by insurance people) - would you consider that as a possibility? Although she did hate being separated from her dogs but visited them everyday.
  It's disgraceful that you still have to live in your house so long after the floods. We've really had to push with our loss adjustors and contractors to ensure that they keep their promises in terms of starting to sort out the house post flood - not an ideal way to start life with a new baby!
  Hope you're not in there much longer and you find somewhere else to stay or get some compensation for the fact you've been cramped upstairs for the last few months. :-)
• Hey Newbie sorry to hear that you're in a similar situation...although with a brand new baby to consider too! Firstly let me say Congratulations !!! This will be a tale to tell the grandchildren eh?
  Our insurer's did have an agency that was given the unenviable task of re-homing their customers - but they just couldn't find anything for us. We have a 2 berth caravan on the front drive atm, which is where we watch TV and cook, but we still sleep upstairs. This has made things a little more bearable... some of our neighbours have done the same too.
  We did consider putting the dogs in kennels for all of 2 seconds we'd miss them too much and they would be away from us for 6-9months... heck its been more than 10 weeks already and we've only just got our dry certificate!
  I will write to the insurers to ascertain what financial value they place on the inconvenience - I'll let you know what they say.
• I run a maintenace company and do a lot of work for insurers. Typically where a home occupier has been inconvenienced due to work and alternative accommodation is not available, they pay upwards from Ј10/person/adult/night. Less for children. The ampunt paid depends on the length of time and the scale of inconvenience. Rg if you have no cooking facilitiesnad are buying takeaways / eating out you could expect to receive more than Ј10. However, it is unlikely that the amount would exceed what the insurers would pay out in alternative accommodation (which includes hotel costs)