Standard Bank Building Insurance - unhappy customer.

Standard Bank Home or Building Insurance - unhappy customer.

Complaint Background I reported a claim on the 2nd of August 2024 to Standard bank building insurance for a Roof Leak after the storms we experienced in Western Cape in July and the claim was acknowledged with the following claim number 24/06/1195.

On the 15th of August 24, an appointed service provider (ELGANOX) came to my home for assessment and left.

He took a few photos of the ceiling inside showing the signs of the water leaks internal and stepped on the roof to do the same.

The assessor said he suspects that the leak comes from the 3 roof tiles that appeared to have cracked.

A week later when I called to follow up on the assessment outcome I was told that the claim was rejected due to poor maintenance based on the report from the assessor.

The house is fairly new, it was plot and plan and I have 3 years and 8months since I've been contributing towards my insurance premium now it's R304.48 per month.

I would like to know if was it just a misleading statement when you said I must take the policy to protect my home from any unforseen structural damage ?

Severe weather conditions are bound to come with unavoidable structural damage, what I need to know though as a homeowner how was I supposed to prevent tiles from cracking ?

I am disappointed with that judgment as I strongly believe that it is subjective with a personal taste of biasness between the service provider and the insurer if they're not working together to just find loopholes in order to escape your responsibility or end of the agreement.

If I'm expected to maintain my home at my own cost then that basically means that I'm paying for nothing if I would have saved the monthly premiums contributed so far from 2021 I would not be in this situation.

I am not happy. When we sign up for these policies we expect some peace of mind during the time of need not frustration.

My home is my valuable asset at the moment and you guys have failed me.

At this stage I cannot put trust on all the other listed things that you allegedly claim to cover as specified on the agreement and that feeling alone tempers with the enjoyment of my property if all you care about is deducting your bond and insurance premiums without any obligations on your side.

Please do not be surprised when I post my review on Hellopeter, Google reviews and other social media platforms based on the above unpleasant experience.

From poor communication to poor maintenance of a 3 years old structure/roof.

Please try to be considerate and not self serving next time. R305( that's subjected to annual increase) is not a child's play and if I'm going to be paying it for the next remaining 16 years and 4 months, then I am the clown in this equation.

I wouldn't recommend especially for African female 1st time homeowners.