So Sad Let Down

Nearly 20 years with OUTsurance and always recommended them to friends but I am sad to say that after all this time with them "I have been let down" I put in a claim because a car hit mine in the drivers side whilst driving, outsurrance response was im 40% to claim "well Daaa" he hit me in the side. I took it to the top and finally was paid out, but why did i have to fight with them. Past few weeks Storm in the Cape heavy rain and gail force winds and the rain came down the bedroom wall, the roof is as new with cement tiles with no visable cracks or holes. Called Outsurance and after a week and a half the assessor pitched up, he looked on the outside and concluded wear n tear, also that the sun room roof is asbestos and should be changed to metal. Ok now the cement tile roof is the same as the whole estate which is about 15 years old approx, he didnt look inside the attic were he would have seen the plastic liner has torn and hanging down thus water in high winds can and will blow up under the tiles and run down the beams and onto the ceiling. The sun roof was added 4 years ago and the roof is big 6 cement corrugation, any engineer knows asbestos was band many many years ago. Conclusion the assessor works on 4 evaluations quotes:- Bad workman ship. Wear and tear. Act of God. Its your fault.

Discovery keeps calling me to change to them, should I ????