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Daily Record
Daily Record
National
Calum Loudon & Ruth Suter & Siobhan Macdonald

Insurance company forced to apologise as pensioner left without a working toilet for three months

An insurance company was forced to apologise to a furious pensioner after a burst pipe left her without a toilet - for three months.

Mary Kelly, 65, was left without use of her £4,500 bathroom after a communal pipe in her block of flats burst.

She has been forced to use buckets of water to flush her toilet as the draining system is 'completely out of use'.

Mary Kelly in damaged bathroom (SWNS)

Mary has been relying on friends and family for the last three months to wash after extensive flood damage was caused to her home of 30 years.

Mary hoped the factor Lowther - an arm of Glasgow Housing Association (GHA) - would fix the pipe, but bosses said it's the responsibility of the building insurer.

She has since spent £200 on repairs for the pipe and a temporary ceiling for her bathroom - but Mary said she has been left devastated by the mess.

Mary said: "My neighbour above me has flooded me a few times just through burst pipes.

"In November, the pipe that joins to both of our kitchens burst and the water poured down from his kitchen and into my bathroom.

"I was told the issue wasn't communal even though it is a shared pipe.

"We have been paying for factor fees for about 34 years between us.

"They found more damage than what they initially thought there was.

"So they ripped the whole bathroom out - I don't have floors, a ceiling, sink, or walls.

"I can't even wash my hands.

"My home was lovely prior to all of this, I had it just perfect and I had worked hard to make it that way.

"It has already cost me a lot of money.

"It cost me £4,500 to have the bathroom installed in the first place and now it has been ripped out.

"If you pay for factor services, you should have access to those services.

"When people have disasters they should know they will be okay.

"I'm not looking for the GHA to be a charity service, I'm looking for them to do what we have been paying them to do."

A spokesperson for Lowther said: "The leak was found in a waste pipe which has been rerouted through the extension to this customer's home.

"To be clear, this customer's home is not insured by Lowther.

"Lowther appoints an insurance company for the block and any claims are made directly by the owner to the insurance company.

"We understand the customer made a claim on the buildings insurance policy and this claim is in progress.

"Any complaints relating to that should be directed to the insurance company, but we are happy to contact them on her behalf and do all we can to help."

The Davies Group and Ageas Insurance - who are responsible for repairing Mary's home - have apologised for leaving her without a functioning toilet.

A spokesperson said: "The Davies Group and Ageas Insurance would like to offer sincere apologies to Ms Kelly for both the delay in repairing her home and for not taking the time to explain to her what was going on behind the scenes to resolve her claim.

"We are now redoubling our efforts to secure suitable alternative accommodation for her to live in while her home is repaired.

"Ageas, who underwrite the policy terms will be reviewing this claim with Davies (the claims handler) to learn lessons from what went wrong and ensure all our customers receive the brilliant service we pride ourselves on."

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