Unresolved Insurance Claim Due to Inadequate Assessment Process

Claim OOBA441394 was submitted on 1 December 2025. After more than a month with no feedback, a preliminary rejection was issued on 10 January 2026. This rejection was made without any physical inspection of the property and re**** on assumptions drawn from internal photographs only. Evidence provided by the insured, including photographs of the drainage system, was not properly considered. On 14 January 2026, the insurer advised that a loss adjustor would be appointed to conduct a field assessment. However, as at 27 January 2026, no assessor had attended site, no roof inspection had been conducted, and no field assessment had taken place. Despite this, requests were later made for an “assessment report” that does not exist. The claim remains unresolved, with no clear communication, no defined timelines, and no proper assessment having been carried out. Conclusions regarding roof maintenance, drainage design, and the timing and cause of the damage therefore remain speculative and unsupported.