Extremely Terrible Service!!!!

Where to start...

If you are looking for an insurance that will take your funds every month and when you need to do a claim for an issue caused by them then they reject, then this is the company for you!

Let me explain. So basically, I've had this insurance since 2015. Everything was all good as my property did not require any issues. Then a few years down the line in 2021 my geyser was giving issues where the geyser had it's first leakage, etc. I have done a claim, paid the excess and Ooba then sent out the plumbing company to inspect and replace the geyser if required. So the company came out, and replaced the geyser. In doing so, never checked the piping and this is when all my problems started.

When they replaced the Geyser, they never checked the piping as it was an old property with old piping. They have installed a high pressure geyser which caused all kinds of problems for me. Please note prior to this I had no issues anywhere with regards to leaks, anything to that sort, my house was in good condition.

Then I started to notice the walls started bubbling but not being a plumber, I thought the paint was maybe old. I then got someone in from a construction company and this is when the question was asked did anyone do any pipe work as this is leaking water in the walls causing the issue. I explained only Geyser replacement and he advised I should get in contact with my insurer. I then called Ooba and logged the claim.

WOW I tell you, I have never experienced any rip-offs like this. Throughout the claim process, there were 2 plumbing companies sent to my house. The first one was legit. Did a proper inspection and confirmed that the leaks are from the pipes and they can see it is the pipes running from the geyser. Then they had to send out the 2nd company was supposed to do the leak detection as instructed by the first company as they never had the leak detection tools. This is when they sent out MDN Plumbers.

I tell you these people came to my property. My wife was home alone and they took advantage due to her being a women, they were very arrogant with her and this is when she called me. I spoke to the guy and he started being arrogant with me on the line and I told him he needs to do his inspection and leave as I feared for her being home alone with these men. She informed me when I got home that they came with no tools, did not want to check anything anywhere they were just taking pictures, and had the decency to say if the insurance rejects I should call them directly and they will give a discounted repair price.

Nevertheless, I then took matters in my own hands and got a private plumbing company in. I never explained anything as I wanted their honest opinion. They have done a proper inspection with all the tools and informed me that they can see the geyser is new, the geyser was most probably replaced, and the pressure is too high for the old piping which caused the brittle pipes to start leaking and causing the dampness in the walls. He informed me this is now a health hazard for our kids and needs to be resolved asap. I then received a quote and report card.

Send this back to Ooba and 4-sure which is their sub company that handles the claims. Ooba and 4-Sure is the most unprofessional company ever. First of all Leando called from 4-Sure explaining it is not the first complain they have received from MDN Plumbers and will make sure they never use them again. He advised when I have any issues I need to call and ask for him directly. Every time I have called, I have to hear he is on a toilet brake, never answers any emails and the list of excuses goes on. I then escalated to Ooba again and delt with Wendy. I have explained the whole issue to them and she was amazed of the toilet brake response and advised it is so unprofessional, I received assurance that she will get this resolved for me.

2 days later I received an email from Guard Risk and Hallard Insurance stating the claim is rejected. I am not sure who is my insurance at this point as there is so much *******ion in this company. I then emailed this rejection to Wendy as she made it sound like they would actually do something. Bear in mind the quote for my repairs was only 25k btw. I have been with this people for almost 10 years, and this is the response I get lol.

Anyway, then I receive an email back from Wendy stating that properties that are insured are not inspected before insured. The rest of the stuff stated is exactly the feedback MDN Plumbers has provided which is ridiculous. Then they have a nerve to add "Unfortunately damages which occur gradually over a period of time are not covered by this policy; if the damages were there prior to you purchasing the property this is pre-existing damage. Yes you may become aware of a deteriorating/wear and tear of an item when it fails completely, however this forms part of standard home maintenance and it’s excluded from the benefits provided by a short-term insurance policy."

As stated previously, there were no leaks anywhere and now that there is bubbles in the wall this is their response. The private company I received informed me that water travels and a leaking pipe will cause that all pipes will need to be replaced as to trace this is almost impossible. Only replacing one piece of the pipe, later then the rest will give in as well.

So yeah just wanted to share for my fellow citizens, If this company call you and sell their sales pitch. Do not fall for it like I did. If anyone knows of any good insurers that will not pull me a stinky like them, please let me know as I definitely lost all faith in this company. Save your sanity!