Water leaked from dishwasher, which leads to a full on floor replacement of almost 7000 euro. Is insurance claim supposed to be this hard? (Gigantti and Lahitapiola Insurance)
Hi, I'm having a giant bill for floor replacement on my hand (around 7k) and all related parties are just running around in circles trying to not pay the bill, so I really need help and advice on what should I do now.
Here's the timeline:
1.12.2023: I bought a brand-new dish-washer from Gigantti, along with their home deliver and dishwasher installation service.
1.1.2025: I noticed water leaking from my floor, so I contacted the housing company directly, they send people to check, determined that the water outlet of the dishwasher is leaking, which later they claimed that it was the fault of the installation and start the floor restoration process as well as drying of the concrete.
Now that the works is completed, I'm here with a 6280 floor works bill and 550 drying bills.
Here's are the party involed:
The housing company send all these bills to me, because according to them, I own the dishwasher, so because the fault is from the dishwasher, I'm responsible for everything.
My own home insurance said that my insurance is only home content insurance, that only cover furnitures and floors. Since the water leak also affect the concrete base of the building, they won't be paying. Then, I asked for the liability insurance, which is part of the home insurance too, but they declined, saying it only cover if I install the dishwasher myself, or I know about the fault but not informing the housing company.
When I contacted gigantti, they forwarded me to the deliver/plumbing company who did the installation, and the insurance of that plumbing company, which is also Lahitapiola, denied the claim, because they said that it's not the plumber fault, since the plumber didn't mean to cause the water-leakage and it has been running for 1 year, so the plumber was clear, which is a bit dubious since the water leak was quite servere, that the drying process has to run for 2 months, and the humidity level of the concrete was 92%.
What do I do now? I feel like it's absolutely bullshit that I am now, stucked with an almost 7k bills for something that I did nothing wrong, I did everything by the book, and everyone is just running around in circles.
I sincerely don't think that the housing company is at fault, but I'm so mad at my own insurance, as well as Gigantti/plumbing company to just dodge their responsible completely like that.
I will try to talk with both parties a bit more, but I think I will have to contact the Finnish consumer protection service (kkv) if they don't bulge.
But this has been super frustrating for me, and very stressful too, so I just post on here to rant and hear stories of people who had similar issues and get it resolved.
Thanks