Small claim payout / Big claims have reasons NOT to pay

<p>The house was built in 2008 and was enrolled at the NHBRC.<br />The house was built using a building loan, thus the house was inspected by the municipal inspector and the bank's inspector at every stage of the building process.<br />Both inspectors needed to be satisfied before we could progress with the next phase, and to get the next portion of the bank loan to carry on.<br /> The wall was built in 2008 and was part of the building inspected by the municipal inspector and bank inspector.<br /> The engineer/inspector requested that there should be steel rods in the foundation and the builder did adhere to the request.<br /> The foundation of the wall is still intact and undamaged.<br />On the 22nd October 2016, there was a massive storm. Big road signs were blown over and a couple of residence's perimeter walls was blown over by the strong winds.<br />My one perimeter wall was also blown over. This resulted in the electric fence to be damaged too.<br />The energizer was also damaged by lightning. As a result of the wall that was damaged, the lighting on the wall was also damaged.<br />I contacted my insurance broker, DM Consultants, and informed them of the property damage and they provided me with a claim form. I also provided my broker with pictures of the incident.<br />I returned the completed claim forms, accompanied by a builder's quote. I informed them again that I am going to start preparing for the rebuild of the wall because my security is severely compromised at the moment.<br />I followed up on the progress of the claim submitted. I then got a reply that an assessor was appointed and will contact me for an appointment.<br />The assessor did an inspection and asked me a couple of questions. He also took some pictures.<br />An engineer was also appointed by RENASA to come and inspect the wall. I then realised that RENASA does not want to pay my claim and is looking for excuses, not to pay for the damage.<br />My broker informed me that they received the report but it was referred to management for approval.</p> <p>My broker informed me that RENASA refuse to pay my claim. I immediately informed him that I will then have to approach the Ombudsman because I feel it is a legitimate claim and should be paid by RENASA.</p> <p>I have never skipped an insurance payment in my life.</p>