Unsatisfactory rejection of HOC claim - **********90

I had an incident that during the rains and winds now recently my boundary wall collapsed. After putting the claim through my insurance (Santam) I’ve been advised that my claim has been rejected cause the wall was not built too standard or of inferior quality.

The insurance value is for the amount of R3.9m.

It’s very interesting, that an occupational certificate was issued on the property, not only that, but santam took my money without inspecting the property, of which they could have seen this prior to accepting my premium. Thus if that is the case. They took my money, knowing that there could be problems. All these years of taking my money, now they saying that it is not according to standard. I’m not going to be accepting this! I will be taking it further cause they were quick to take my money, but to assist in having this problem resolved. I am now getting stories. Once, I really regarded santam as really being good but obviously times are tough and they trying their luck to reject claims.

Why does everything have to result in a fight, especially that they took a premium on this. I can afford to repair it myself, no problem. But seeing that they took my money for nothing over these years that I have been with them, they can now refund all that money.