Insurer rejects an insurance claim for betterment – but expert opinion said it would be needed – Financial Ombudsman Service – Case Study Background The Complainant noticed that there was a crack in his garage, so he notified the Insurer of this. The Insurer agreed to cover the claim for subsidence damage. Both the Insurers and […]
Loss Assessor
Helping to find a fair cash settlement following water damage – Financial Ombudsman Service – Case Study Background The Complainant had a water leak in his home and suffered water damage therefore registered a clam under his home insurance policy. The Insurer accepted the claim and requested the Complainant to provide two quotations to repair the […]
Financial Ombudsman Service – Case Study. Uneven concrete flooring – subsidence or poor construction? Background The Complainants contacted their Insurer when they first suspected their flat had been affected by subsidence. The Insurer appointed a firm of surveyors to inspect, monitor and investigate the situation. After the investigations it became clear that subsidence was affecting […]
Financial Ombudsman Service – Case Study – Insurance Claim for cracking in a garage rejected due to questions about the definition of sudden. Background The Complainant discovered cracking to his garage and subsequently submitted an insurance claim for cracking when he became concerned that it might be subsidence, he contacted his insurer. The surveyor inspected […]
Financial Ombudsman Service – Gradual damage irrelevant as problem not covered in policy – Case Study. Background The Complainants have a home Insurance policy with the Insurer. The Complainants discovered a patch of damp on their dining room wall. The Insurer established that this had been caused by a leaking pipe. The Insurer agreed […]
FSPO – Decision Ref: 2018-0146 – Occupancy Clause Background The Complainants are the Representatives of the Estate of the policyholder, who held an home insurance policy with the insurance company. The Complainants Case The policyholder died the same day a water leak was detected. The insurance company declined the claim on the basis the home was […]
FSPO – Decision Ref: 2018-0184. Rejection of liability insurance claim Background The complainants made a claim under their home insurance policy arising from an injury suffered to a neighbour following the escape of the complainants dog. The Insurance company declined this liability insurance claim. The Complainants Case The complainants state while they were out of […]
FSPO – Decision Ref: 2018-0190 – Agricultural vehicle insurance claim Background The Complainant holds an Agricultural vehicle insurance policy with the Insurance company, which provides cover in respect of a number of his named agricultural machinery. The Complainants Case While moving some mower on the farm, the mower came in contact with a stone and it […]
FSPO – Decision Ref: 2018-0110. Disagreement regarding Settlement amount offered and the insurance policy excess. Background The Complainants made an insurance claim under their home insurance policy due to a water leak. The loss Adjuster issued a settlement offer. The complainants representative queried if the policy excess had to be vouched in order for full […]
Decision Ref: 2018-0087. Rejection of chimney fire insurance claim Background The Complainants made a claim under their Farm Multiperil Policy for damage allegedly caused by a chimney fire which was declined by their Insurer. The claim was declined on the basis that policy conditions had not been complied with to provide cover for the chimney […]