POOR AND UNFAIR SERVICE FROM OLD MUTUAL IWYZE

We had purchased a property in Midrand just over 4 years ago and signed up with Iwyze for the building, content and car insurance. In November 2023, Midrand had experienced its first major freak hail storm that I've witnessed in my 18 years as a resident.

The entire patio ceiling and downlighters fell through as a result of the hail blocking the drainage and the water backflowing. There was no inspection or assessment done to the property 4years upon signing the policy, nor could we see how the roof was built due to ceiling and downlighters already being installed, we've also never had any issues with the roof in the 4 years we are living at this property.

After the hail storm an assessor came out and it was then mentioned to us by IWYZE that the roof was not built to spec, hence the claim being rejected.

So there's 2 things I have an issue with:

1, How was I as the client to know or see that the roof was not built properly through the existing ceiling, also bear in mind we've no had issue with it for 4 years and we've experienced some heavy rains.

2. Why was the property not inspected or assessed before or at the early stages of the policy? had it been, we could have been notified that the roof in question was not built to spec and until we've corrected it, only then will it be covered under the policy which we would have gladly done.