JV
Johan V
1 reviews | Active since Jun 2024
26 Jun 2024, 18:53
discovery home insurance
Hi. We live in uitenhage and had a natural disaster on the 01/06/2024 were a bad flood and storm passed through our town. We suffered damage to our home and appliances. We notified discovery home and vehicle insurance and we got instructed that there would be two assessors that will have a look at the damage. The electrical assesor came a week later and took some pictures and went off. The building assesor came two weeks later after we had cleaned up most of the mud that entered our home. The ms Jamie sent me an mail stating that she can not get hold of me and at the time nobody phoned or mailed me regarding the claim. I phoned numerous times trying to get hold of her but the last two times she was on lunch. After giving up asking to speak to her,i asked her colleague if she could possibly just give me an update. I was then informed that they will only be paying for the damage on the laminated wood floor.. We can not even replace the wall that fell over in the yard with the set amount offered to us. They have a tendency to say things like wear and tear and or poor maintenance defect. I keep my property maintained and in state all the time and to get this tipe of a reply is unprofessional and unacceptable. Why pay for insurance if they cant help you when in need as this was clearly out of our hands. I would not recommend descovery home insurance to anyone!
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Replies (4)0
Replies (4)
Discovery Insure's replyOfficial
26 Jun 2024, 19:11Hi Johan,
We appreciate you taking the time to share your concerns with us. Please accept our sincerest apology for this experience.
We will be in touch soonest.
Regards
Discovery Insure
We appreciate you taking the time to share your concerns with us. Please accept our sincerest apology for this experience.
We will be in touch soonest.
Regards
Discovery Insure
Discovery Insure's reply26 Jun 2024, 19:11
Official
Hi Johan,
We appreciate you taking the time to share your concerns with us. Please accept our sincerest apology for this experience.
We will be in touch soonest.
Regards
Discovery Insure
We appreciate you taking the time to share your concerns with us. Please accept our sincerest apology for this experience.
We will be in touch soonest.
Regards
Discovery Insure
JV
Johan V's updateReviewer Update
01 Jul 2024, 11:24Thank you.
JV
Johan V's update01 Jul 2024, 11:24
Reviewer Update
Thank you.
JV
Johan V's updateReviewer Update
03 Jul 2024, 21:29Good day.
Thank you for your response and assistance.
I have received the building and content claim forms.
I had a look at the damage and estimated on main wall and side wall damage.
Please note that these items were strictly only damaged items as we did not add any of the working/functional equipment as washing machine/tumble dryer/dishwasher are operating according to specification although they were flooded.
We did not add any other electronic equipment or building content that were damaged and discovered afterwards as i will repair and replace myself as time moves on.
The contents that i could find prices on for equipment is estimated R23062.
The damage on building is estimated R77600.
We have a total damage amount of estimated R100600
We can not afford a personal loan of R73448 as my salary just won't allow it.
Could you please re asses and help in any way possible?
Thank you.
Kind regards Johan
Thank you for your response and assistance.
I have received the building and content claim forms.
I had a look at the damage and estimated on main wall and side wall damage.
Please note that these items were strictly only damaged items as we did not add any of the working/functional equipment as washing machine/tumble dryer/dishwasher are operating according to specification although they were flooded.
We did not add any other electronic equipment or building content that were damaged and discovered afterwards as i will repair and replace myself as time moves on.
The contents that i could find prices on for equipment is estimated R23062.
The damage on building is estimated R77600.
We have a total damage amount of estimated R100600
We can not afford a personal loan of R73448 as my salary just won't allow it.
Could you please re asses and help in any way possible?
Thank you.
Kind regards Johan
JV
Johan V's update03 Jul 2024, 21:29
Reviewer Update
Good day.
Thank you for your response and assistance.
I have received the building and content claim forms.
I had a look at the damage and estimated on main wall and side wall damage.
Please note that these items were strictly only damaged items as we did not add any of the working/functional equipment as washing machine/tumble dryer/dishwasher are operating according to specification although they were flooded.
We did not add any other electronic equipment or building content that were damaged and discovered afterwards as i will repair and replace myself as time moves on.
The contents that i could find prices on for equipment is estimated R23062.
The damage on building is estimated R77600.
We have a total damage amount of estimated R100600
We can not afford a personal loan of R73448 as my salary just won't allow it.
Could you please re asses and help in any way possible?
Thank you.
Kind regards Johan
Thank you for your response and assistance.
I have received the building and content claim forms.
I had a look at the damage and estimated on main wall and side wall damage.
Please note that these items were strictly only damaged items as we did not add any of the working/functional equipment as washing machine/tumble dryer/dishwasher are operating according to specification although they were flooded.
We did not add any other electronic equipment or building content that were damaged and discovered afterwards as i will repair and replace myself as time moves on.
The contents that i could find prices on for equipment is estimated R23062.
The damage on building is estimated R77600.
We have a total damage amount of estimated R100600
We can not afford a personal loan of R73448 as my salary just won't allow it.
Could you please re asses and help in any way possible?
Thank you.
Kind regards Johan
JV
Johan V's updateReviewer Update
08 Jul 2024, 18:59Good day.I have consulted with your claims disputes team and unfortunately they are of no help whatsoever even after providing them with valid and clear fotos of damage stating befor and after damage but they decided that the rest of the damage is rejected and can not even provide me with proper feedback regarding the damaged items.
There were two items that was only mentioned to me in the last email that they were overlooked and can not provide me with any feedback regarding them./generator and WAP.
I asked them for clarity over the 3 claim forms that was sent to me and they did not even discuss anything with me except that their decision remains the same as before that the other claims are rejected.
I have tryed my best working with them but unfortunately they do not collaborate on the results and are very quick to say rejected.
We are battling with the boundary wall that collapsed and fearing that the neighbors dogs are going to attack our kids.
He had to rehome one of hes dogs for this reason and i feel that if it was not for this poor communication and bad ethics then we would have solved this issue a long time ago.
I dont see the reasons for this unpleasant and unnecessary approach to the hole ordeal as this was out of my hand doing the best i could to protect my family when the floods came.
Again this was a natural disaster and i was not the only one affected by this.
Myself and both of my neighbors on ether sides of my house experienced the same damage as their main boundary walls also collapsed and was paid by their insurance companies without any hassles.
I have tried my best to save most of the electrical items using a hair dryer during the week after the storm/flood and got most of the water out so now im being told that there is no sign of water in them even after providing them with fotos and videos of the problems im experiencing with them.
The kitchen cupboards did have some wear on the top were the sinc is but never at the bottom as one can clearly see the lever of were the floodwater was and now wood swollen.
There were two items that was only mentioned to me in the last email that they were overlooked and can not provide me with any feedback regarding them./generator and WAP.
I asked them for clarity over the 3 claim forms that was sent to me and they did not even discuss anything with me except that their decision remains the same as before that the other claims are rejected.
I have tryed my best working with them but unfortunately they do not collaborate on the results and are very quick to say rejected.
We are battling with the boundary wall that collapsed and fearing that the neighbors dogs are going to attack our kids.
He had to rehome one of hes dogs for this reason and i feel that if it was not for this poor communication and bad ethics then we would have solved this issue a long time ago.
I dont see the reasons for this unpleasant and unnecessary approach to the hole ordeal as this was out of my hand doing the best i could to protect my family when the floods came.
Again this was a natural disaster and i was not the only one affected by this.
Myself and both of my neighbors on ether sides of my house experienced the same damage as their main boundary walls also collapsed and was paid by their insurance companies without any hassles.
I have tried my best to save most of the electrical items using a hair dryer during the week after the storm/flood and got most of the water out so now im being told that there is no sign of water in them even after providing them with fotos and videos of the problems im experiencing with them.
The kitchen cupboards did have some wear on the top were the sinc is but never at the bottom as one can clearly see the lever of were the floodwater was and now wood swollen.
JV
Johan V's update08 Jul 2024, 18:59
Reviewer Update
Good day.I have consulted with your claims disputes team and unfortunately they are of no help whatsoever even after providing them with valid and clear fotos of damage stating befor and after damage but they decided that the rest of the damage is rejected and can not even provide me with proper feedback regarding the damaged items.
There were two items that was only mentioned to me in the last email that they were overlooked and can not provide me with any feedback regarding them./generator and WAP.
I asked them for clarity over the 3 claim forms that was sent to me and they did not even discuss anything with me except that their decision remains the same as before that the other claims are rejected.
I have tryed my best working with them but unfortunately they do not collaborate on the results and are very quick to say rejected.
We are battling with the boundary wall that collapsed and fearing that the neighbors dogs are going to attack our kids.
He had to rehome one of hes dogs for this reason and i feel that if it was not for this poor communication and bad ethics then we would have solved this issue a long time ago.
I dont see the reasons for this unpleasant and unnecessary approach to the hole ordeal as this was out of my hand doing the best i could to protect my family when the floods came.
Again this was a natural disaster and i was not the only one affected by this.
Myself and both of my neighbors on ether sides of my house experienced the same damage as their main boundary walls also collapsed and was paid by their insurance companies without any hassles.
I have tried my best to save most of the electrical items using a hair dryer during the week after the storm/flood and got most of the water out so now im being told that there is no sign of water in them even after providing them with fotos and videos of the problems im experiencing with them.
The kitchen cupboards did have some wear on the top were the sinc is but never at the bottom as one can clearly see the lever of were the floodwater was and now wood swollen.
There were two items that was only mentioned to me in the last email that they were overlooked and can not provide me with any feedback regarding them./generator and WAP.
I asked them for clarity over the 3 claim forms that was sent to me and they did not even discuss anything with me except that their decision remains the same as before that the other claims are rejected.
I have tryed my best working with them but unfortunately they do not collaborate on the results and are very quick to say rejected.
We are battling with the boundary wall that collapsed and fearing that the neighbors dogs are going to attack our kids.
He had to rehome one of hes dogs for this reason and i feel that if it was not for this poor communication and bad ethics then we would have solved this issue a long time ago.
I dont see the reasons for this unpleasant and unnecessary approach to the hole ordeal as this was out of my hand doing the best i could to protect my family when the floods came.
Again this was a natural disaster and i was not the only one affected by this.
Myself and both of my neighbors on ether sides of my house experienced the same damage as their main boundary walls also collapsed and was paid by their insurance companies without any hassles.
I have tried my best to save most of the electrical items using a hair dryer during the week after the storm/flood and got most of the water out so now im being told that there is no sign of water in them even after providing them with fotos and videos of the problems im experiencing with them.
The kitchen cupboards did have some wear on the top were the sinc is but never at the bottom as one can clearly see the lever of were the floodwater was and now wood swollen.