Rejected Claim

I am a Momentum Insurance client, my claim number is CP792173MP. I lodged a claim for household contents which were damaged late last year in December 2023. I could not lodge the claim immediately as I was still dealing with an emergency incident at home which obviously took priority. My son was prematurely born on 22 December 2023, wife was in hospital as well. On one of the evenings (26 Dec 2023) when I returned then from hospital I realised that my three appliances were not working as they should but because my mind was more focussed on the family emergency, I had to wait for it to subside first.

I then lodged a claim in Jan on the 8th. The assessor came to my house on the 11th of Jan then shared a report with the insurer that was incorrect especially around the loadshedding part as I have a backup system that takes care of power outages. It's amazing that the assessor never even asked me if I have backup power or not, the audacity to even include loading shedding on his report is something else as I have been using the backup power since early 2023.

My Insurance claim for household contents was declined and reasons provided for declining it do not make sense as mentioning that my insured items are old and it could be loadshedding related are not valid for me, as they were insured by these people whilst no questions were asked how old these items are.