Hello,
I do not want to give too specific information as I am still currently in dispute with an insurance company in relation to a claim. I would appreciate if somebody could provide any assistance before I respond to the insurance company/
A couple of years ago we submitted a claim with an insurance company due to structural damage in our house. An external report had to be submitted by a third party to provide evidence of damage on our behalf, with specified protocols to be followed.
One of the protocols specified by the insurance company was not included in our third part report.
It has now come to light that the expert whom assessed our claim on behalf of the insurance company pointed out to the insurance company that specific information was missing from our submission.
The insurance company never relayed this information back to us or to our third party expert whom provided the report. They relayed a summary of their experts analysis based on the evidence provided but failed to inform us that he couldn't make a complete recommendation as certain information was missing.
Our cover has recently lapsed and the insurance company have advised, that we did not follow their suggested protocol a few years ago when we originally submitted our claim and the claim is now rejected as our cover has lapsed.
Should the insurance company have advised us of the specific missing information when we originally submitted the claim?
Can they justifying withhold this information after it was pointed out by their expert ?
I do not want to give too specific information as I am still currently in dispute with an insurance company in relation to a claim. I would appreciate if somebody could provide any assistance before I respond to the insurance company/
A couple of years ago we submitted a claim with an insurance company due to structural damage in our house. An external report had to be submitted by a third party to provide evidence of damage on our behalf, with specified protocols to be followed.
One of the protocols specified by the insurance company was not included in our third part report.
It has now come to light that the expert whom assessed our claim on behalf of the insurance company pointed out to the insurance company that specific information was missing from our submission.
The insurance company never relayed this information back to us or to our third party expert whom provided the report. They relayed a summary of their experts analysis based on the evidence provided but failed to inform us that he couldn't make a complete recommendation as certain information was missing.
Our cover has recently lapsed and the insurance company have advised, that we did not follow their suggested protocol a few years ago when we originally submitted our claim and the claim is now rejected as our cover has lapsed.
Should the insurance company have advised us of the specific missing information when we originally submitted the claim?
Can they justifying withhold this information after it was pointed out by their expert ?