Nightmare Swimming Pool Insurance Claim.
For members who have been around here for a long time here is an update on the swimming pool saga.
Back ground information for first time readers.
March 2005 The pool was maliciously damaged.
Nice tenant decided to throw rocks into pool and also puts star picket through bottom of pool, breaks windows, double front gates and trashes the place.
PM forgets to mention damage to the pool when contacting insurance company about other damage in April 05.
PM contacts insurance company by phone and asks if pool is covered. Answer is no.
I inform PM that my policy states the pool is covered and advise them to lodge a claim.
June 05 Claim is finally put into insurance company in late June.
July 05 Insurance company again claims pool is not covered by insurance.
Contact insurance company and explain that the pool is definitely covered in the wording of the policy.
Insurance company disagrees and sends copy of current policy that started in June 05.( Pool is not covered)
I send them copy of policy June04-June05 that states pool is covered.
Insurance company agrees that in the old policy the pool is covered and decides to send an assessor.
The pool is covered in their old policy and not the new one. ADVICE: when renewing policies always check for any changes and do not just renew.
August 05-The assessor decides the pool is damaged because of a slow leak and damage is due to no hydrostatic valve and thus is not covered by insurance.
Insurance company rejects claim and sends part of the assessors report to me.
I contact pool company and ask them to explain assessors report in regards to hydrostatic valve.
Pool company offer to come around and assess the pool. They disagree with assessors report.
I contact two other pool companies to assess the pool and they also disagree with assessors report.
September 05 I send documentation including photos and reports by all 3 companies to insurance company rejecting assessors report.
Insurance company sends Email will review claim.
November 05 contact insurance company to find out what is happening.
Still under review.
December 05 Claim rejected again. Citing first assessors report and no mention of 3 other reports.
January 06 Contact insurance company to ask them to explain why no mention of 3 reports.
February 06 Get message the person who had been reviewing my claim has been transferred and a new person will check claim.
March 06 New reviewer ask for additional information.
April 06 New information sent.
June 06 Insurance company contacts pool company for explanation of report.
August 06 Contact insurance company who are still reviewing claim.
September 06 Claim is accepted and quotes for repairs are requested.
Quotes sent for replacement of pool
October 06 Insurance company claims pool should be able to be repaired.
Pool company sends quote to repair pool which is more than replacement.
November 06 Contact insurance company for answer by Email. No reply.
December 06 Contact insurance company asking by Email again for answer. No reply.
Also make 2 telephone calls and leave voice message. No reply.
January 07 Email and telephone insurance company again. No reply.
February 08 I find the phone number of Insurance company Director and Email address. I ring leave voice message and send Email.
2 Days later get telephone call from Directors staff.
2 Days later get Email from Insurance company reviewing officer is no longer with company and new reviewing officer is reviewing claim.
March 06 Contact insurance company by email.
Insurance company responds they are getting additional information from pool company.
Contact pool company who tell me they have send quotes for new pool to insurance company.
April 06 contact insurance company again by phone and told they are prepared to pay 50% of costs to fix pool and will send confirmation by email. Money will be paid directly to bank account.
I’m also advised that if I don’t accept the offer it will go to a new department who will have to review everything again and the claim could be rejected.
OKAY MEMEBERS WOULD YOU ACCEPT THIS OFFER YES or NO?
Rich in happiness and money is better than rich in money with no happiness.