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I wanted a dream home. But all I got was a bungle-low; I'LL GET IT SORTED; Security officer couldn't live in flood house for 9 months.

Byline: Additional reporting by Jane Barrie

Colin Munn lived out of a suitcase for nine months after his house flooded.

It took a staggering five months before his insurer even started work to repair the property.

Then, when the job still wasn't complete four months on, he demanded to be put up in a hotel.

Colin, 53, said: "It's shocking when you think about it. I am back home now but the claim is still not fully settled."

Colin reported a flood at his bungalow in Mount Vernon, Glasgow, on March 31 last year.

He has cover with Royal Bank of Scotland insurance, costing PS57 a month.

Colin added: "Unbeknownst to me, the feeder pipe for the shower, which is in the loft, was leaking through the ceiling and had been for a while.

"The living room and bathroom and associated floors and joists were all affected."

RBS underwriters UK Insurance sent a contractor to survey the damage.

Colin, a security officer, said: "I was back and forward trying to chase things up.

"At one point, they asked me to get an estimate for the work.

"In the end, they allowed me to choose from their list of approved contractors."

Colin moved out to live with family on August 28 when the repairs started. But he soon had problems.

He said: "There were four floor joists to be replaced, the bathroom had to be ripped out and redone and the living room was to be repaired and redecorated.

"But progress was slow and I was soon unhappy with the standard of the work.

"I later discovered that instead of removing the water-damaged joists, the contractors had simply bolted smaller new joists on.

"They weren't weight-bearing.

There were gaps between the old and new joists and a section of one of them had split."

Colin demanded to be put up in a hotel on December 20.

He said: "I was in a Premier Inn through Christmas and didn't check out until the end of April. At first, RBS said there was nothing wrong with the work to the joists and refused to do anything about it unless I got a report from a building surveyor."

The independent surveyor reported on February 8 that the joists had to be completely removed and replaced.

But RBS then said the work couldn't start until March 4. Colin called me in April when the contractor claimed the property was habitable, when it wasn't.

He said: "I couldn't have lived in the place. There was no toilet or sink. The bathroom units were lying on the floor and the lights were hanging out of the walls."

I got on to RBS and Colin finally checked out of the hotel and got back home on April 30. But he was offered just PS200 compensation.

He said: "It's a huge slap in the face after all the stress."

An RBS Insurance spokesman said: "Most of the issues are now resolved.

"We are waiting to receive receipts from Mr Munn, who would also like to make a claim for damaged furniture.

"We will continue to work with Mr Munn to resolve the claim as quickly as possible."


JOIST NOT FAIR Colin in his home, which needed major repairs

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Publication:Sunday Mail (Glasgow, Scotland)
Date:Aug 11, 2019
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