http://www.somersoft.com/forums/showthread.php?t=52107
This is a follow on from the above thread.
Was originally informed that most damage was wear and tear.
Insurance company accept claim for doors and graffiti but applied an excess of $500 to each one which didnt help much as both were about $700.
After inspecting the property and damage with pm immediately rang insurance company and asked for the assessor to come back and explain his findings to me in person as there is no way this is general wear and tear.
After a 30 minute discussion insurance company agreed to contact assessor and send to reinspect.
3 days later insurance assessor arrives and after telling me he didn't know why he had to come back I asked him two simple questions.
1) Does your place look like this?
2) Do you throw bottles and knives at your walls?
He was far from impressed with my questions and 3 hours later he left after I made him look at every bottle mark, knife or machette mark, chip, gouge and hole. One wall had 119 chip, holes and marks.
After numerous discussions and having him return a few times he has reversed his decision and now all has been accepted.
So if you have a claim and you don't agree with the decision appeal and stick to your guns.
This is a follow on from the above thread.
Was originally informed that most damage was wear and tear.
Insurance company accept claim for doors and graffiti but applied an excess of $500 to each one which didnt help much as both were about $700.
After inspecting the property and damage with pm immediately rang insurance company and asked for the assessor to come back and explain his findings to me in person as there is no way this is general wear and tear.
After a 30 minute discussion insurance company agreed to contact assessor and send to reinspect.
3 days later insurance assessor arrives and after telling me he didn't know why he had to come back I asked him two simple questions.
1) Does your place look like this?
2) Do you throw bottles and knives at your walls?
He was far from impressed with my questions and 3 hours later he left after I made him look at every bottle mark, knife or machette mark, chip, gouge and hole. One wall had 119 chip, holes and marks.
After numerous discussions and having him return a few times he has reversed his decision and now all has been accepted.
So if you have a claim and you don't agree with the decision appeal and stick to your guns.