Insurers' cash offers may fall short of repair costs, warns Which?, urging homeowners to get detailed estimates first.

Consumer group Which? is warning homeowners to carefully evaluate cash settlements from insurers, as they may not cover full repair costs, leading to unexpected expenses. A survey of 2,804 claimants found 38% received cash payouts, often insufficient for repairs, as seen in cases like Sarah Richards from North Devon. Which? advises seeking detailed estimates before accepting offers and has launched a super-complaint to the FCA, citing concerns over insurers’ incentives to favor cash payouts over direct repairs.