OOBA Building Insurance is the worst

I strongly recommend staying away from OOBA Building Insurance. I have had two separate claims rejected, and both experiences left me extremely disappointed. The first claim was for two ceiling panels that collapsed. The claim was rejected because the damage was allegedly caused by "wear and tear." In all the years I have owned homes, I have never experienced a ceiling collapsing. Yet when it finally happened, the claim was denied. I had no choice but to pay for and repair the damage myself. The second rejection was even more frustrating. A flexi toilet pipe burst, flooding my entire house and causing significant damage. The insurer rejected the claim because the pipe was visible before it burst, even though there were no signs of leaking or any indication that it was about to fail. As a result, I was left to cover all the repair costs myself. Based on my experience, I cannot recommend OOBA Building Insurance. It feels as though there is always a reason to reject a claim, regardless of the circumstances. I have reached the point where I question the value of paying for building insurance if legitimate claims are not covered when they are needed most. I will be cancelling my policy immediately, as I no longer see the benefit of maintaining cover that does not provide the protection, I expected when taking out the policy.