National Claims Advice Hotline 0818 252 800

National Claims Advice Hotline 0818 252 800

Storm Claim Insurance Claim Declined

FSPO – Decision Ref: 2019-0107 Background The Complaint relates to the Insurers declinature of the claim made by the Complainant under his home insurance policy for an insurance claim and illustrates the necessity for prudent and practical advice when making an insurance claim. The Complainants Case The Complainant registered the claim for storm damage with […]

FSPO – Decision Ref: 2019-0107 – Under Insurance

Background The complaint relates to the Complainant’s claim under his home insurance policy arising from damage caused by chimney fire and was subject to the average condition which resulted in under insurance. The Complainants Case The Complainant made a claim on his policy following a chimney fire. The Complainant states that the claim was approved, […]

Insurance Claims – General Overview

If you have been unfortunate enough to also have suffered a loss due to an insurance claim or insurance claims during this pandemic, you might feel isolated and vulnerable to the profiteering insurance industry who see your insurance claim or insurance claims as an expense. Insurers appoint their own loss adjuster, who claim to be […]

Business Interruption Claims – Covid-19

It comes as no surprise that insurers are declining business interruption claims in their droves, some policies clearly cover a notifiable disease or indeed Covid-19. To us, it would seem that there is a major capital issue within insurance companies at present, and it would appear that they are not upholding the requirements of the […]

Claim for the floor collapsing

A customer was not reasonably aware of a water leak or damage to prevent a claim for the floor collapsing an FOS case study presents. Background The Complainant had a water leak from his washing machine but was not aware of the water leak happening. The water leak caused damage to the Complainants kitchen walls, […]

Slow water leak damage

Slow water leak damage not covered under all risks policy an FOS Case Study reported. Background The Complainant noticed a stain had appeared on her lounge ceiling resulting from a slow water leak. The Complainant called a plumber to come out and take a look at the slow water leak damage. The plumber found that […]

The truth about fraudulent claims

Insurance Company’s were requested to answer questions in relation to insurance fraud to determine the Bona Fide of their allegations regarding fraudulent claims. This is a transcript of the video Pierce Doherty: Can I just pick up on that point in relation to fraud? You make the claim that 20% are fraudulent claims. How […]

Insurance claim for betterment

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 […]

Cash Settlement

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 […]

Subsidence or poor construction?

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 […]

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