1 reviews | Active since May 2025
SA Home Loans Insurance Rejected My Claim.
I had my home insured with SA Home Loans Insurance when an earthquake damaged my property. I submitted a claim on 27 May 2024. At first, the process seemed smooth, they registered the claim and arranged an inspection without issue. Later, they said another inspection was needed. As I was deployed with the defence force at the time, I told them my disabled mother would assist.
They sent a second inspector—an elderly man, likely in his 90s, with a head that shook constantly. My mother, who is disabled, struggled to communicate with him. He is the one who apparently came up with the idea that the damage was due to "active clay" and not the earthquake. This explanation made no sense, especially since the damage appeared immediately after the ground shook. To make things more confusing, they also sent another engineer to inspect my neighbour’s property, suggesting inconsistency in their process.
They rejected my claim on 26 July 2024, saying the damage was due to normal soil movement and not an insured event. I appealed on 24 October 2024; they asked me to provide a report from an independent structural engineer. I comp****. The engineer I hired dug three holes around the house, tested the soil, and found no signs of clay—completely contradicting their claim. Despite this, they rejected the appeal on 29 October 2024, now claiming the damage existed before the policy started—something they never mentioned earlier.
To add insult to injury, they’ve since told me the house is now uninsurable until I personally repair the damage—yet they continue to deduct premiums from my account every month.
SA Home Loans Insurance failed me completely. They dismissed a valid claim, re**** on questionable assessments, involved my disabled mother in a difficult process, and continue to take my money while refusing to cover the home. If you’re thinking of insuring with them—don’t.
You may only find out they won’t help when you need them most.
Regards
The SA Home Loans Team
Regards
The SA Home Loans Team
After posting my original review, I received a call on 12 May 2025 at 14:52 from +***6. The caller said she was responding to my HelloPeter review and claimed I had written it to "request feedback." I politely corrected her, explaining that I wrote the review because I was seeking help after my valid insurance claim was unfairly rejected.
She disagreed and insisted that I had asked for feedback. I asked her to open my review and point out where I said that. She confirmed she had it in front of her — but when I asked her to show me the exact line I said that, she went silent and then dropped the call without a word.
This kind of behaviour is completely unprofessional, SA Home Loans Insurance do not care. I want to be very clear: I have shown nothing but respect in every conversation I’ve had with SA Home Loans Insurance. Please go back and listen to the recording yourself so you could hear that I’m telling you the TRUTH!
This latest incident only reinforces my concerns. From the questionable inspections, to the shifting justifications for rejecting my claim, to the fact that they continue to debit premiums on a home they now deem "uninsurable" — and now this dismissive phone call — it’s clear that SA Home Loans Insurance has no real interest in resolving the issue fairly.
I want my claim to be resolved fairly and appropriately. To anyone considering SA Home Loans Insurance: be warned. They only show you who they really are when it’s too late.
Regards,
Siyabusa
After posting my original review, I received a call on 12 May 2025 at 14:52 from +***6. The caller said she was responding to my HelloPeter review and claimed I had written it to "request feedback." I politely corrected her, explaining that I wrote the review because I was seeking help after my valid insurance claim was unfairly rejected.
She disagreed and insisted that I had asked for feedback. I asked her to open my review and point out where I said that. She confirmed she had it in front of her — but when I asked her to show me the exact line I said that, she went silent and then dropped the call without a word.
This kind of behaviour is completely unprofessional, SA Home Loans Insurance do not care. I want to be very clear: I have shown nothing but respect in every conversation I’ve had with SA Home Loans Insurance. Please go back and listen to the recording yourself so you could hear that I’m telling you the TRUTH!
This latest incident only reinforces my concerns. From the questionable inspections, to the shifting justifications for rejecting my claim, to the fact that they continue to debit premiums on a home they now deem "uninsurable" — and now this dismissive phone call — it’s clear that SA Home Loans Insurance has no real interest in resolving the issue fairly.
I want my claim to be resolved fairly and appropriately. To anyone considering SA Home Loans Insurance: be warned. They only show you who they really are when it’s too late.
Regards,
Siyabusa