Mr and Mrs R own a holiday home in Cornwall. The couple returned to the house to find that 1060 litres of heating oil had escaped from the tank. The oil had leaked into the foundations of the property and the soil below.
Mr and Mrs R duly contacted their insurance company, keen to resolve the issue and to seek advice on how to deal with any ramifications. Their insurance company offer to carry out a mop up job and replace the floor covering. The total that the insurance company were prepared to pay out was £2000.
How our loss assessors resolved the claim
Dissatisfied with their insurance company's efforts, MR and Mrs R found AKA MI Claims on the internet and contacted them for advice on dealing with this [domestic] claim.
We were called in specialists who assessed the damage and saw the potential environmental implications of the leaking oil. The oil had also penetrated the flooring slab and had seeped into the soil under the foundations, which had not been detected by the insurance company's loss adjusters.
The oil was now making its way towards a stream at the bottom of the garden, which in turn, lead into the sea and a public beach.
Our loss assessors decided that in order to avoid any environmental disaster, it would be best to demolish the house and floor slab. We also dug out and removed over 60 cubic metres of contaminated soil and then rebuilt the house.
The total claim came to £400,000.
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