In November 2011 we suffered a leak from the mains water supply to our flat. The leak lasted less than 10 minutes. However, almost five months later we’ve yet to return to our home.
Our building is insured by Axa, which appointed loss adjusters. Its loss adjusters moved us (at our insistence) to alternative accommodation as our six-year-old son’s room was uninhabitable. It also appointed a contractor to assess the repair to our flat, and this is where it all went wrong.
The contractor concluded the damage to the lower half of our walls was due to a pre-existing rising-damp condition and the insurer was not liable. Our home was fitted with a damp-proof course 15 years ago by the previous owner.

