CLAIM NUMBER: *** - I AM GOING TO KEEP THIS ABRIDGED:

I lodged a claim for storm damage to my cupboards due to a leaking roof. during the leak into the bedrooms, I mitigated serious damage to other contents such as the beds, carpets and other items in the rooms by protecting them with plastic. An assessor was sent out and his report was given to Absa Insurance. I have not seen the report or the contents of the assessment. In September I have a declined letter saying that:

Quote "During the assessment of your claim, we established the following: • The roof is sagging causing water to penetrate into the roof cavity. • The damages indicate that that battens have failed gradually over time resulting in water penetration. • There were no damages that could be attributed to a single or sudden insurable instance as detailed in the policy terms and conditions. • Damages which cannot be attributed to an insured event are unfortunately not provided cover for." Unquote.

I then wrote a letter disputing their assessment and decision and requested a review/revisit to the situation. To date i have not heard anything from then since. My roof is in impeccable condition. I am an ABSA client since ABSA was created.

Also, just to place on record that I have not been paid my settlement amount for a storm damage claim since June 2011. I made many queries and requests for the payment i was told that the claim has been closed It has been opened and closed so many times but i have not received any compensation. Imagine the interest on that money i have lost. If it was the other way around one could imagine what the bank would have done.

For the current claim my demand is that I want a proper assessment done and the damges fixed properly. for the 2011 claim I want to be paid the outsyanding monies with interest.

Thank you. Arvin Hooseria Cell: ***