Think twice about getting ooba home insurance

After an extremely frustrating two months of unnecessary waiting, endless phone calls, and disruptions to our lives, I feel compelled to share my experience with Ooba Link Insurance.

It all began when a pipe burst in our newly purchased home, flooding half the house. We immediately contacted our insurance, and to their credit, they sent someone the next morning to fix the pipe. They also arranged for an assessor to evaluate the damage. However, this is where the problems began.

The first assessor took over a week to submit his report to Ooba, despite numerous follow-up calls from us. After almost three weeks, Ooba informed us that the claim amount was too high, so they would send out a second assessor. While this was understandable, it added more delays to an already difficult situation.

To make matters worse, during this time, we had to move out of our house, relocate our dog, and manage all of this with a 7-month-old baby. The second assessor took another two weeks to provide feedback. Eventually, Ooba agreed to replace the carpets and roof but refused to cover the damaged cupboards, which were full of mold from the water damage. We argued this point, as the cupboards were clearly beyond repair.

After more delays, Ooba finally came back to say they would not cover the claim at all, stating that the burst pipe was due to improper installation by the previous owner. While this may be stated in their contract, it took them two months to inform us of their decision—two months of wasted time during which we could have begun repairing our home.

The amount of time, effort, and stress this process caused was completely unnecessary. We were forced to live in someone else’s room, drive an extra hour daily to care for our baby, and constantly chase Ooba for updates. At times, it felt like they were deliberately avoiding us.

To make matters worse, after the second assessor, they even suggested sending out a third assessor!

Ooba Link Insurance was unprofessional, unresponsive, and showed no regard for the inconvenience caused to our family. Think twice before choosing them as your insurer.