Short story is we had an upstairs flood which wrecked the kitchen flooring along with 6 considerable issues in kitchen/bathroom.
Todays heated discussion with insurance ;
We have laminate flooring in kitchen and hallway that connect with each other 26m2 in total.
Insurance will only pay for laminate flooring up to £25m2 to be replaced as that’s what we have already, many heated discussions they agreed to tiles up to the cost of £40m2 however I have to pay the difference of the fitting costs.
NOT AIRING MY THOUGHTS ON THIS JUST YET
I intend the cost to be completely unreasonable.
Realistically give or take a few hundred pounds what do you think the difference would be ?
Laminate flooring fitters charge/cost the same as tile fitters on a daily rate I except the job will take a day or so longer and there will be more materials used ie grout tile glue etc
Having looked at the work schedule they are putting down a 5mm screed no matter what flooring we should choose so this doesn’t need to be put into the equation.
Rough idea ???
Many thanks in advance
This is familiar.
They tried to shaft me on laminate after a flood.
Claimed that their valuation was fair. I fortunately had a receipt for full value roughly double what they offered.
They kept pushing my buttons so I said well tell you what crack on you source and fit. - knowing it was a sole source supply - by the way - it best be the same laminate.
But tbh it sounds like your doing alright out of it.
Insurance will only pay for laminate flooring up to £25m2 to be replaced as that’s what we have already,
So that's what you're entitled to.
they agreed to tiles up to the cost of £40m2
I don't quite understand the issue - you've got them to pay out 15 x 25sqm extra = £375.
But they've asked you to pay the difference in fitting costs?
And you're not happy about this?
Thanks 😊
Definitely going for tiles 100%
But they’ve asked you to pay the difference in fitting costs?
And you’re not happy about this?
I’m not unhappy
I’m asking what the extra cost will be roughly.
Laying Laminate floor is approx £15m2, Tiling is very tile dependent but from £40/m2 with adhesive and grout.
Both would be on a prepped sub base.
I’m not unhappy
Todays heated discussion with insurance
many heated discussions
NOT AIRING MY THOUGHTS ON THIS JUST YET
I intend the cost to be completely unreasonable
Hmmm.
There’s a betterment question here. If you have laminate now then you should get laminate back without cost.
If you want to allocate the cost of laminate towards tiles thats fine. You pay the delta.
Tiles take much longer to fit…
I have no issue paying for the extra work
See if you can find a copy of spons online. That’ll give you a feel for the difference. From memory a days tiling is maybe 4-6sqm. Laminate flies down in comparison.
A decent tiler can clatter down 20m2 in a working day depending on circumstances. Fiddly little areas and sub floor prep aside. 3-4 hrs to grout and clean off the next day. Rarely goes to plan tho', but around £25 per m2 plus adhesive and grout at around £5m2 ( more for timber floors).
You tile for £25/2 if you like, but as someone who tiles for a living then I’m at minimum £37.50/m2 +VAT inc. adhesive and grout. There’s very few floors that are big and flat enough that a tiler can get 20m2 a day done.
Why will the insurance only pay for 25m/sq if you have 26m/sq to replace?
