Hi,
I don't want to give away too much detail in relation to my dispute but would appreciate any feedback.
I am currently in a 4 year dispute with an insurance company in relation to damage to my property.
When my policy was taken out,the policy document was very general in nature and structural damage requirements were open to interpretation.
10 years later my policy has now expired and the insurance company is refusing my claim. They are applying new strict damage guidelines that they have formulated. They now believe these new stricter guidelines should also apply to my policy. They argue that their new detailed guidelines have become accepted as a recognisable standards in the industry.
These new guidelines were only introduced in the final year of my policy and did not even exist for the first 9 years of the policy,therefore I am arguing that the insurance company should not be applying these new stricter limits to my policy as they were not in existence when I took out my policy.
Can anybody advise if an insurance company can apply new detailed criteria to a policy years after the policy has been taken out?
I don't want to give away too much detail in relation to my dispute but would appreciate any feedback.
I am currently in a 4 year dispute with an insurance company in relation to damage to my property.
When my policy was taken out,the policy document was very general in nature and structural damage requirements were open to interpretation.
10 years later my policy has now expired and the insurance company is refusing my claim. They are applying new strict damage guidelines that they have formulated. They now believe these new stricter guidelines should also apply to my policy. They argue that their new detailed guidelines have become accepted as a recognisable standards in the industry.
These new guidelines were only introduced in the final year of my policy and did not even exist for the first 9 years of the policy,therefore I am arguing that the insurance company should not be applying these new stricter limits to my policy as they were not in existence when I took out my policy.
Can anybody advise if an insurance company can apply new detailed criteria to a policy years after the policy has been taken out?
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