Dial Direct refusal to pay full insured amounts for building and home contents

On 22 October 2022, our house burnt down to the ground in Soshanguve and we lost all house contents and had to bury our father 2 weeks later from the burn injuries. The house was insured for R1,2 mil and with house contents of R680K. To date, we have only received just over R400K which is the settlement amount from Dial Direct and they argued that we were under insured and should have been insured for R2,1 million. Looking at home valuations in our area for a standard 3 bed, 2 bath, there is no way our house could be valued that much. Moreover the grief and depression of loss, we are constantly requested to provide a concise list of all items that were burnt in the fire before they make a payment. How very insensitive of this company to make us remember all items, including my dad's items who passed on immediately after the fire broke down. Moreover, they were not even prepared to pay for more than 3 months of rental and security for our burnt house, despite them still taking debit orders from our account to date. Stay far from this company!! Heartless and Ruthless during loss and grief