SS
Sikasu S

1 reviews | Active since Sept 2012

19 Jul 2023, 20:10

Roof, walls and floor for stand no 630 lerome thabeng section sau****rt North West. OT

My name is Elizabeth Serunye I have a home and a car insurance with out Surance. My problem is that they refuse to help me with the falling roof and cracks in the house that I experienced in June due to earth quake instead of he3i am accused of improper construction. Of which I was not informed of such when taking the policy and that my house does not meet their helping criteria. Today I heard several calls from them telling me that they have decided to cancel my policy. I refused them asking why did they sign me in from the onset and explaining myself again and again that the municipality claws of approval was not properly explained to me telephonically what it meant for me as I am in bundu was my house and stand is recognized as I have a stand card and house number. So that is what I am penalized with. So my question to them is why didn't they send the assessor before our confirmation and debit orders. They say they took my word for it I asked again why all this explanations and accusations when I am in need of their assistance. They say that I didn't take care of my house I am extremely offended and feel insulted because I am taking care of my hose walls and floor cracked. Please assist me in this matter for I am given until August 2023 to finale e my policy. Your assistance will be highly appreciated. My policy number is OT***5. My claim number is***

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Replies (2)
SS
Sikasu S's update20 Jul 2023, 09:57
Reviewer Update
I am not happy because I believed and trusted the person that sold me the house policy. I am suddened by their response critisizing my structure. I explained again that I am not a builder I wouldn't know if they faulted me or the house itself not unless that thing is visible to my eyes. My argument is based on failing to explain important clauses such as mine that the roof problem that I have and the wall cracks they are caused by improper construction. I feel ****** and badly treated because that was not thoroughly explained to me. For I believe if I had an understanding of that clause that I am reffered to in time of need. I would understand their desicion if I was beforehand asked for house varification documents or any structure approval questions like when was it approved and who. For now I understand they failed themselves for not doing it right Telephonically. May I not be accused for something that I didn't create. All I need is for them to honor our policy agreement and serve me with dignity. I have paid my premiums without fail and without explaining myself. For me they are to blame for not explaining further of the consequences that may jurpedise my claim in terms of documentation. I didn't refer back to all the documents that they send after our telephonic agreement I trusted and was happy for all I needed was my home to be insured I trusted them as they say they trusted me. At this moment I am desperate for their help as our agreement my question if they accuse my improper structure why didn't they send an assessor before hand if they were also true to themselves. For me this is unfair because now they deceded upon themselves to cancel my policy by August 2023. My argument is why do they take that decision on my behalf is it because of running away from their irresponsibility because of unexplained issues to the customer. All I need from them is to honor our agreement.
OUTsurance
OUTsurance's reply25 Jul 2023, 12:14
Official
Good day Sikasu,

Thank you for bringing your concerns to our attention.

Further to our private response, we can confirm that Shaun our assessing manager contacted you. Shaun discussed the claim rejection in detail with you. Unfortunately, the roof was not built according to building regulations. It was also identified that the roof wasn't maintained. Defective workmanship and a lack of maintenance are policy exclusions. 

The contract is based on good faith therefore the onus rests on the policy holder to check whether your property is maintained and free from defects. 

We do apologise for the disappointment. 

Regards,
The OUTsurance Team