Insurers who don't understand

<p>I am a building contractor. </p> <p> </p> <p>In January, a transport company delivered some material to one of my building sites, and whilst doing so damaged the boundary wall which I had built. The transport company and driver accepted full liability of the damages, and requested an invoice for damages. </p> <p> </p> <p>I issued the transport company with an invoice in order to recover the cost of me having to rebuild the wall. </p> <p> </p> <p>The transport company referred the matter to Zurich Insurance Company. </p> <p> </p> <p>This happened in JANUARY.</p> <p> </p> <p>Zurich have now (OCTOBER) stated that because the wall does not belong to me, I have not suffered any financial loss, and unless I am able to produce a utility bill proving such ownership, they will not entertain the claim any further. (BTW, they are doing the claim under Third Party)</p> <p> </p> <p>The service from Zurich Insurers is totally unacceptable, and their understanding and knowledge of "who suffered the loss- legally" is unacceptable. I was surprized to hear they are a global company. </p>