Discovery Insure - Don't Insure with Them

<div>We have been loyal clients of Discovery Insure for over five years. Following the June floods in the Western Cape, our swimming pool exhibited structural issues, prompting us to file a legitimate claim after engaging a specialized pool expert for damage assessment. Subsequently, Discovery Insure enlisted a service provider (not an assessor) to evaluate the damage. Upon notification of the claim, we were contacted by the service provider, who requested photographs of the damage via WhatsApp. However, we refrained from complying, as we believed an on-site assessment was necessary. Upon reaching out to Discovery Insure to express our concerns, they dispatched another service provider (once again, not a qualified assessor) from ++++, known for minor pool repairs. Regrettably, this service provider's approach to repairing the pool deviated significantly from the correct method. Notably, their proposed solution involved reusing broken coping materials, reflecting a substandard and unprofessional response to the extent of the damage. On July 1, 2023, Ntabi from Discovery Insure called to confirm that our pool damage resulted from the floods, as validated by their service provider. However, we contested the proposed repair method. Ntabi assured us of further discussion with his manager but failed to follow up. On July 10, we received a rejection letter, citing the service provider's claim that the pool did not adhere to guidelines, requiring a concrete layer beneath our paving. When we requested ++++' qualifications and accreditations, we were denied citing the POPI Act. However, as a company, this information should be publicly accessible. We sought the opinion of another pool specialist who contradicted Discovery's findings, emphasizing that even SANS building regulations do not mandate a screed layer under the pool's surrounding paving. Furthermore, the June floods in Cape Town were officially declared a National Disaster. Having escalated the matter to the Ombudsman, we were advised that we have a legitimate case for legal action. In light of these circumstances, we are prepared to initiate litigation if Discovery Insure is unwilling to engage in constructive dialogue to resolve this matter. We propose a round table discussion to address our concerns and reach an equitable resolution In short, don't Insure with Discovery Insure they will only cost you money, go to an insurance company that offers you the cover that they stipulate and use accredited assessors with the knowledge to do the assessments, otherwise you will be sitting with major losses like we do.</div>