FNB is heartless and inconsiderate

FNB is a ****…… I’m not happy with what they have done to me. I suffer loss due to theft at my place and opened a case. I submitted everything they wanted. Upon payout stage,I was told that after assessment done by their assessor,I was underinsured….. the assessor calculated everything in the house including those that were ****** and damaged and they said I’m 67% underinsured. This was for all items in the house. My question was even now, 1.WHY ASSESSMENT OF ALL THE ITEMS IN THE HOUSE YET THE WHOLE HOUSE DIDNT SUFFER ANY LOSS OR DAMAGED APART FROM SPECIFIED ITEMS? 2. WHY WERE MY SOFAS WITH THE AMOUNT OF R74 000 not REPLACED as they were not ****** but rather damaged???? FNB replaced my refrigerator(I’m supposed to pay only excess to get it from their store of choice)upon damage yet could not replace my damaged sofas? 3. I sent an invoice of my pots but they only paid their desired amount and ignored my original invoice….. 4. I blocked and reported my portable item but it did not pay out even though there’s unspecified items cover?

I’m still waiting for the excess I paid for the third party after damage….. FNB has not refunded me and are not saying anything to me about the settlement yet I can see on my app that the claim is closed.

Why would they want to salvage my bedroom suite headboard and leave everything else? I bought it as a suite not parts and there’s no way I would only find a headboard without it being a suite. Still,there’s no communication and a way forward.

I’m so angry and disappointed with FNB……my insurance upon its birthday is sky high and that’s what they intend to do so that I can be even more frustrated.

If you want value for money,don’t ever consider FNB INSURANCE. They are ****s and they will bully you into thinking that you are at fault to make a claim.