Where is your loyalty Standard bank insurance?that never cover claims ALWAYS full of storys and then they take 4 months to come to your house and then this is the poorest email as its *******!

ood day Mr James

Thank you for affording us the opportunity to review the claim.

Kindly note we have received the assessors report to determine the outcome of his assessment. it has been noted as per the below comments that the damage did not occurred from one insured event but over a period of time.

Taking the above into account, it is evident that the damages sustained occurred gradually over a period of time due wear and tear/defects and the claim may be rejected on this basis. The above may be referenced with the following clause of the Policy as it pertains to the exclusions: Policy exclusions This policy does not cover any claims for loss, damage, death, injury, or liability that follows directly or indirectly from any of the following events: 7. Wear and tear Wear and tear or a cause that acts slowly, for example age, rust, and damp. It also includes insects or vermin (such as rats). 8. Defects Defects in design, materials, or construction.

He also noted that the roof has small holes that can be viewed from the inside of the roof this could be due to poor installation of the water proofing or the roof nails have lifted allowing the water to entre.

Kindly note that you can provide us with your own report stating what the reason for the water leak and we can review the claim further.

For this reason we are not able to overturn the rejection.

We regret our reply could not be more favorable.

Although we aim to assist our clients wherever possible, we are bound to act within your insurance policy’s terms and conditions.

Please note that in terms of our Complaints Procedure, this is our final response and we will be closing the complaint from our side.

Should you be dissatisfied with the decision in any way, you may refer your complaint to the Ombudsman for Short term Insurance. Kindly note that you need to do so within 90 (ninety) days from the date of this letter: The details are as follows:

The Ombudsman for Short Term Insurance. PO Box 32334 Braamfontein 2017 Phone number: *** Fax number: *** Email no: ***

Kind Regards Mahommed Khan

Consumer and High Net Worth / Insurance Complaints Social Media and Executive Complaint Specialist

Customer Resolution Centre Tel: ***/ www.standardbank.com

For escalations, please contact: 1st Escalation – Senior Manager: Railene Govender / *** 2nd Escalation- Head of Department: Louis Muzangwa / ***

Standard Bank / South Africa / A member of Standard Bank Group