Dishonest insurance that does not cover

I was with Outsurance for 14 years, but had to leave due to dishonest practice and complete lack of service. Earlier this year a huge crack appeared on one of my interior walls. Over a short space of time it grew wider and wider until you could see through it. Outsurance sent through a structural engineer who explained that due to water and damp coming from the exterior walls (even though there is no real visible sign of this) they would have to pave around the whole house. Outsurance would not cover this.

I then decided to call in a builder and another structural engineer. Both of them agreed that the problem had absolutely nothing to do with the outer walls but rather the actual foundations at that specific point in the house. I sent this new report to Outsurance who literally changed a single sentence (as far as I could see) of the original report. They still not cover the actual work that was required to fix my foundations.

I am absolutely appalled by how they are so willing to take my money each month and not be willing to actually do what they say they will. I honestly still don't know why I was paying them for 14 years, it doesn't make any sense. I have spent over R350 000 with them over 14 years and have claimed very little.

I had to have family support me to pay R140 000 to fix the ACTUAL problem with my house. If I had paid out of pocket to do what Outsurance engineer suggested I would be a lot poorer with the same issue persisting.

I am happy to have left Outsurance.