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Denied Home Insurance Claim

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Baddoneby View Drop Down
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Joined: 09/February/2010
Location: Australia
Posts: 334
  Quote Baddoneby Quote  Post ReplyReply Direct Link To This Post Topic: Denied Home Insurance Claim
    Posted: 04/April/2019 at 12:12
Recently had a home insurance claim denied. Due to previous dodgy repairs on roof.
We accepted the fact it was declined due to this issue.
We employed a business to make good the neccessary repairs to a quality standard.
We have asked that the insurance company to send out the assessor re-inspect the work carried out to prevent any future claims being denied.
We are being told this request is 'ABSURD' and the request is being denied from a legal perspective.

Can you possibly shed light on why this would be denied. What am I missing here?

jaazzz View Drop Down
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Joined: 19/September/2009
Location: Australia
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  Quote jaazzz Quote  Post ReplyReply Direct Link To This Post Posted: 04/April/2019 at 13:32
Maybe because an insurance assessor isn't a building inspector
Any opinion given should not be accepted as legal advice.

Please post your legal questions in a forum rather than sending a PM. Thanks

Eddy View Drop Down
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  Quote Eddy Quote  Post ReplyReply Direct Link To This Post Posted: 04/April/2019 at 14:13
I think the process would have been to go to the insurers first and then they would have nominated repairers. Sounds like you went ahead and used a contractor of your choice to do the work before getting insurance approval, and the contractor wasn't one of their prefered choices. Check the policy but it's likely to be in there. They can refuse the claim on this basis even if the work was done correctly.

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