Building Claim Rejection - "Defective Workmanship" does not apply to a personal lines claim

Hi Anel

Ntabiseng, who initially called me, and accused me of claiming for renovations, just called to advise my floor claim just Short of R11k has been rejected.

This was a latent defect that i could not possibly foreseen.

The amount claimed for a 32m2 floor area was about 33.3% of what the industry standard charges

I have had no claims since inception until now..3 years claim free.

Yet dotsure seeks reasons NOT to pay.

My builder was not contacted, nor the tiler.

I was not asked for any photos which i offered and mentioned of the progress of the 4 day job.

No assessor actualy came out to my premises to investigate.

Yet off the bat dotsure looks for reasons not to pay.

I have no choice but to refer it to the ombudsman for their verdict.

I could not have been more honest.yet i enjoy no cover.

Please cancel my policy

"Defective Workmanship insurance is a necessity if your business repairs, maintains or works on assets or property that does not belong to you. We are only human and anyone can make a mistake. However, if your blunder causes injury to your client or damage to their property, you can be held responsible."

The above explanation of Defective Workmanship" does not apply to my, a Personal Lines Policy.

DOTSURE app**** the above exclusion to a personal lines policy and a home i have lived in for years.

Also on 2 oct 2022 my tiler realised the floor is mostly a sand mix. Not enough cement used in the mix when the floor was layed in the 1980's by the builder/developer.

No possible way for me or anyone to know this until we chipped out all the tiles to find this out.

The builder was here 3 oct 2022

I was and am living here with all this dust and chipping and jackhammering and rubble for 4 days with no access to my kitchen to cook and prepare food. My pets and I had to go out for 4 days with all this chipping and jackhammering noise polution and dust health hazard

I needed to get back to normality asap

The builder charged about only 33.3% of what other builders in the industry would have charged.my claim even excluded the removal and replacement of my skirting, just because we forgot about claiming for it.

My builder is NHBRC registered. He is not a fly by night and probably one of the few honest builders who helped me as soon as he could with an emotionally and mentally and physically extremely uncomfortable, disruptive, not to mention severely stressful situation and period in my life. A 2 day chip and retile job became a 2 week affair to get back on track with retiling not to mention having to find R10k somewhere suddenly to pay the builder.

So then i ask why am i insured with dotsure ,if they look for reasons NOT to pay