Cowboy insurance company
Cowboy insurance company
I know that stories of insurance companies are not new, but "if it's your gutter causing the leak, and the surveyor says that, we won't pay out, but we will log this as a claim to put your premium up."
The reply below is not true in substance. It was made clear in the call that I didn t know how to describe the lead part of the roof. It was made clear that they would try to use my inexpert definition to show it was something they wouldn t pay out on. I also got the impression that my surprised and angry response was not unusual.
I ve resubmitted the claim and they won't pay out because they "have no evidence it was caused by the weather". So when you think you're covered, you're not.
Following a complaint, they got back in touch with me to tell me that it is incumbent on me to find evidence that the damage was caused by the weather. I think that in the absence of this evidence, they are implying that I have caused it - or something. They are, meanwhile, paying the much smaller claim - for the (weather-related) damage. Yes, that's how they get.
Never claimed under home insurance in 20 years. Every stereotype confirmed, sadly.