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The insurance company reimburses afterwards?

Reader's query about insurance formalities.

I RECENTLY put in an insurance claim because my chimney is leaking. The insurance firm asked me to send estimates, which I have done. Now it says I will have to pay for the repairs and will be reimbursed afterwards. Is that correct? I thought they should pay me first when I have a valid claim. F.B.

IT IS increasingly the case that insurance companies prefer to reimburse the cost to avoid fraudu- lent claims. They also do not like paying for repairs only to find that the funds have been used for alternative purposes, but this comes from the law that states that no-one can use insurance to benefit financially.

Reader's query answered by Hugh MacDonald

If you have a money query send it to We select questions for answer every edition

  • The information here is of a general nature. You should not act or refrain from acting on it without taking professional advice on the specific facts of your case.
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  • The Connexion welcomes queries and publishes a selection with answers every edition. However, please note that we cannot enter into correspondence on money topics. Queries may be edited for length and style. Due to the sensitive nature of topics we do not publish full names or addresses on these pages.
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