Reasonable and Necessary
Hi all,
I am currently taking over a private home mods case for a compensable teenager. The insurer has agreed to modify the home kitchen so that the 16yo can prepare meals for herself. Whilst they have agreed in principle to the need for a functional kitchen, they have 'assessed' that the following items are not reasonable and necessary, including:
*painting and finishing of disrupted wall/ceiling surfaces
*tiling of splashbacks in the kitchen
*cost of and installation of a rangehood for above the cooktop
*cost of and installation of upgraded lighting over work areas
*they also refused height adjustable workbenches so that the carer and client can both have equally suitable access (was just requesting small area to be height adjustable).
Does anyone have any advice or any references that support the commonly cited rull of thumb that the 'finishings should be equal to what was there before?'
