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We have got rising damp in our house and last night the roof was leaking from all the recent rain, and coming through our bedroom ceiling. Our home insurance wont pay out for repairs to the roof. We have a small baby only 8 months so we need something doing but we are 1 yr into our IVA, and dont know how we can pay for these repairs. We are looking at thousands of pounds! We cant leave it for another 4 yrs until we come out of our IVA. Anyone got any advice please?

I'm no expert in this, and I don't suppose for one moment it will be, but is there any way the insurance company can stand it?

Hello boychild,

I would talk to your I.P to see what your options are, have you had a payment break in your IVA as yet? This may be an option and then the extra month/s can be added onto the end of the IVA.

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/

A payment break could possibly allow you to pay for the work in installments?!! Other than that do you think there is a friend or a family member who you could ask help from?

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

No i didnt even know we could take a payment break. How long can this be for? Thing is my IP is currently drawing up a variation for us as we are having to pay for childcare now and all the other expenses that comes with having a baby, so im not hopeful of getting much help if they are already trying this variation. Think best thing i can do for now is get some quotes for the work and maybe out these to my IP and see what we can do. I cant have a dangerous and hazardous home for our baby, the damp alone can cause many health problems. Surely they would have to help me somehow?
Unfortunately i havent really got anyone who could pay for the work.
Thanks for your replies.

would the insurance not cover it? Lots of high wind and rain recently that may have caused the damage in the first place.Ask them to assess the damage perhaps?

I believe the I.P is allowed to give an individual 3 payment breaks throughout the whole IVA period before having to notify the creditors.

I would speak to your creditors eventhough they are organising a variation meeting. I think its best for them to know.

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/

Thanks for that, ill speak to them
Our insurance wont pay out. We rang them and they checked the weather for the last week in the local area and because we havent had a storm as such, just bad rain they wont cover us. Also they reckon that we should be getting someone out once a year to look at the roof so that its being maintained!!!! Why fix something if it aint broke?!!! Who is this world gets someone out to check their roof, their pipes, infact everything in their house, if their isnt anything wrong in the first place? Its just a get out i know it is. We have never ever claimed on our house or contents insurance, and now when we need to they come out with some ridiculos excuse not to pay. Very frustrating. Sorry for the rant.

I hate insurance companies with a passion! We live near the river and Dave had all sorts of problems getting cover as there was a flood in 1937! When he finally found a company who would give us flood cover they then wanted to refuse it because I'm BR! The bit that really, really annoyed me (in case you can't tell!) was when the certificate arrived it mentioned my bankruptcy in the criminal convictions section. I'M BANKRUPT, NOT A CRIMINAL!!!

Right, down off my soapbox!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Hi
I know exactly how you feel, we have got a hole in the roof with a bucket catching the drips and got told by the insurance that the weather hadn't registered as a 'storm' and the winds weren't high enough. I asked if I had accidently damaged the roof when putting things up there would that be covered she said she thought it would be! amazing!! I tried also to blame it on the floods earlier on in the year as we live in Oxfordshire (I do think they did accelerate the damage), and it was particularly bad and she did say that if we got a builders report saying that was to do with the hole then they 'might' consider it, but I think she was just trying to get rid of me.

I won't be popular with this post, but is it not time to think about maybe selling the property if it needs substantial repair work, and using some of the money to either downsize or even go into rented for a while. And if this is an option you are prepared to consider, is then bankruptcy proceedings not a better option for you given your circumstances?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

I would rather not go down that road but i think until we know the extent of the work needed to doing then we may need to look at all options.