Did you have to pay the bills out of your own pocket first and then reclaim the acceptable portion of the total cost from the insurers afterwards, or did you get the bills, present them to the insurers, get the cash and then pay the bills after?
Also, I'd normally have expected any debate re. the proportion of the works to be covered by your insurance to have been done prior to works commencing?
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in the end the love you take = the love you make
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