Gross negligence

Gross negligence is a conscious and voluntary disregard of the need to use reasonable care, which is likely to cause foreseeable grave injury or harm to persons, property, or both. It is conduct that is extreme when compared with ordinary Negligence, which is a mere failure to exercise reasonable care.

This sums up my experience with Santam, after April floods ealier this year . Although home and contence was insured by this company, the two policies, worked agains each other I was advice not to do a 3 party claim acainst home insures policy , and do in on the contence in my own name as this would be quicker.

9 months later , 2 assessors later it still hasent been Now they want to bring in 3 assesor !!! I been shuffed for pillar to post , to get it all done

Fist i was queried as to why i increased my sum insured 2 months before storm, eight months down the lane i get told i am under insured

The increase of sum insured was done on advice and amount of Santam own assesor To put it in perspective when claims started the rand was R13 59 and now as of yesterday it is R15 .32.

The company's appointed by santam ...... wel let just say i raises a few question , on the home claim , contractors did not want to work with assesor since he owed them money and few other things Company that was appointed to rescue, antiques and contence , picked up various items on open truck , moved it in the rain monts later, no care was taken . Items was send to " professional restores" , !!! Items came back .....that even their delivery guys said it not acceptable, 100 year old piano had shopping trolly weels on , 100 old french polished organ , was sand down half way and varnished in brown . The Hismastevoice came back more damged than it went to them , brass statue lamps cam back being sprayed with cheap cold paint !!! Just to mentiond if few . I get patronized in letter "since it not to my satifaction" .... *** , not the public or experts could believe the state of "professional" restores.Rhey got paid a R100 000 .00 that came of my policy !! Professionals even wanting to take photos to show people . Some items were collected months after incident and only because i had send an phoned repeatedly. Between Santam house and contence insurer and time laps before things were repair or collected , items sufferd more and some items beyond repair now .

I have been **** to by senior Santam members on various occassions. DO YOURSELF A FAVOUR AND DOWNLOAD A VOICE RECORDING APP WHEN DEALING WITH SAMTAM . I got all the voice notes here . Since they record all conversations and tend to loose them when their staff, is at fault . Keep it to safeguard yourself

For an " respected company " you would expects profesional service The currend assessor says he not qualified to deal with claim . 8 months layer !!! This was all referred to complex claims back 6 months ago. Complex claims was not even aware it their is a second claim on property . Why appoint an assesor that cant deal with claim ? Values are made up on items with no backing up proof The whole claim is a mess , none of items can be repaced at prices that is on claim . Now claim has to be DIVIDED between 3 party and home insurance , so which goes on which ? No one seems to be ABLE to tell me !!!

Although i receive and interim payment now , the claim is far from being finalzed . THE REAL KICKER IN THIS WHOLE MESS IS THAT THEY WERE AWARE I ONLY HAVE THE USE OF ONE ARM .....I JUST FOUND OUT THE CONSTAND INFECTIONS BECAUSE OF WET WALLS AND STRUCTURE , I NEED TO GO TO HAVE ALL INPLANT REMOVED BONE NEEDS RE BREAKING TO HAVE A FRESH BREAK AND WHOLE OP REDONE . OR I COULD LOSE MY ARM !!!

I DOING EVERYTHING AS THEY REQUESTED FROM ME , FROM SUM INSURED, TO MOVING BOXES AND COME PILING THE WHOLE CLAIM , i get treated like the enemy. And constantly have to defend myself .

For a company that promises you professional service, and advice . I had not had that experience. Once they caught out, the staff all try and cover the own behinds, and you become enemy. Not from when i was hijacked and car repairs 4 years ago has been sorted , and now the storm damges . If you got expensive items, and upmarked household contence...this is not the company for you !! Just by the way everyone that thinks they coverd , you not . By the complex claims dept own word , you have to litterly move your insurnace up weekely as the rand dips , because he has to to it ????!!!!!! THE 3 DE PARTY consultants , have writen headoffice no reply , the assessor have writen to head office no reply So what now Santam ????