Browse Forums General Discussion 1 Sep 27, 2013 6:55 pm Hi I would appreciate any advice on the following issue which is of urgent concern. The roof has almost given way and is leaning severly to one side. The insurance company as usual has declined the claim saying its bad workmanship which is not covered by the policy. A buildeing inspector which I hired to inspect the house, suggests its localised wind plus moisture which are the cause, but their assessor says otherwise. I have been advise it could cost as much as 50 Thousand to replace which I cant afford, I have never made a claim previously but honesty doesnt seem to pay with insurance companies.The matter is very urgent and dont know what to do . I am dealing with cancer and have enough on my plate. Would appreciate any advice. Thanks. Re: roof 2Sep 28, 2013 8:25 pm I'm sorry to hear of your battles & current issues. Home Insurance policies cover event based damage, not gradual deterioration from moisture getting in. I don't know exactly what the report said, but from what you've suggested your inspector has advised this seems like the case. You can submit the report to the insurance company and ask for the denial to be looked into / overturned. Or if you are unhappy with the assessors decision, they can get an alternate independent inspector. If you still aren't satisfied with the response you can ask to go via the formal IDR process and then on to the ombudsman service. Again, the onus is on you to prove that it is in fact an insured event as covered in their PDS, so any inspectors reports that are contrary to the assessors reports you should put forward. But, as I mentioned - damage that occurs over a period of time from moisture, seepage, subsidence etc or damage as the result of faulty workmanship aren't covered items. As frustrating as it is, policies are only there for covered incidents. Even though you may feel that they should pay, it unfortunately doesn't work that way if it is not a covered circumstance. Regardless of how many years claim free you are, it doesn't mean that you are "owed one". So their denial may be just. I worked in insurance claims for 7 years and a, now a Risk Management Analyst for an insurer and have seen a lot of cases similar to this come up, as people just feel so helpless with such a massive bill looming. Are you covered still by a builders warranty? As this may be your first point of call... Thread: viewtopic.php?f=31&t=66299 Slab: 16/6/14 Frame: 4/7/14 Roof: 22/7/14 Lock Up: 20/8/14 Fixing: 26/8/14 PCI: 9/10/14 Handover: 20/10/14 2 9447 This certainly doesn't look good. I would be engaging with an independent inspector to have a look at this. As for the unscheduled site visits, most builders are quite… 1 28319 traditional gable roof facade - Have you did the dark and light gray color combination in facade with gray stone in facade… 0 4211 |