Water container pipe burst and flooded house, in a minute insurance company wont earnings up, any push for...??
My parents went on holiday for 3 months. A small copper pipe burst from the dampen tank within the loft after freezing during this time and flooded the house, disaster! My brother was contained by the house about 4 times over 3 months and have heating on during those days. There is a 60 afternoon small print rule(parents didn't know about(can't be away for more than 60 days etc), doh!). My Brother was finishing in house on 58th sunshine so could have happen on 59th or 60th day. The Insurance company said they would pay cheque whole amount initailly. They get a company in to strip down the place, floorboards, ceiling etc.. and next dry it out.. After paying about 1/9 of costs insurance comapny changed their minds and pulled out and wont take-home pay anymore stating the 60 rule... The company they got to dry place at start told parents to throw everything out, clothes, furniture, bed etc.. whether it was recoverable or not which they did. Now they enjoy lost it all. Looking at around lb20000 ++ to repair.Answers: I would advise that you hope legal direction from the citizens advice bureau,
If the insurance company as already agreed to do the work and you hold already had a company surrounded by to start the work, then its sounds to me that the own accepted the claim.
But do want legal suggestion please:
On any insurance claim the first thing some insurance company's do is to find a loop hole to get hold of out of paying out the costs.
Good luck,
Lets us know how you get on, its call pooling information, what you do may help others.
First phone up is go to a solicitor and acquire them to look into the situation,
There is a law that say contracts have to be impartial, so an insurance company cannot just use any excuse to take out of a payment, but the solicitor possibly able to enlighten you one way or the other.
Always read the small print.
An expensive lesson for your parents im afraid, they should hold known better
The 60 afternoon rule will probably stand unless you can prove that the house was colonized within that timescale - a drop by - in and out may not count.
All insurance policies own this clause in them.
Sorry to be the bearer of impossible news but this may not catch paid - the single way you can possibly receive around it is by CAB or legal mechanism, IF you can prove that they initially said they would pay up.
an insurance company initially accepting the claim lamentably means zilch. all they time they investigate and stop claims that hold been agreed , even suing to get money support after a claim has be fully settled.in some cases even permissible proceeding for fraud.
i dont know what has be said at any interviews you may have have or written on any forms you may have but my warning would be to get down to c.a.b. and if that fail just relate them you or your brother spent several days here and there over the 3 months cleaning , checking things out etc and slump through your teeth. that way the 60 morning unoccupied will be broken , just influence you didn't realise at the time that it was the house man unoccupied not just your parents malingering for 60 days
best of luck anyway ....insurence companies are **'s
The real answer to this is. Did your parents draw from advice from the soul who arranged the policy? If they bought online or through a direct company then it be up to them to ensure that the policy met their requirements - including cover whilst being away more than 60 days.
If your parents requested suggestion and told the broker that they needed a policy to provide this cover then it be up to the broker to recommend a policy providing this cover. If they made a mistake your parents could claim from the broker for negligence.
If your parents requested advice and the broker did not ask whether the property would be unoccupied afterwards life get interesting. A broker has to receive reasonable hard work to find out your parents requirements. Would this extend to asking whether the property will be unoccupied? Answer. I don't know - you may be able to receive the FOS to adjudicate.
It all points to one article. DONT BUY INSURANCE DIRECT! GET A BROKER TO DO IT FOR YOU,
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Answers: Hi, If you are really want to make more business, then discuss about insurance with everybody you meet and ask for the business. Improve your knowledge about the products you sell and be ready to clarify any doubts to your prospects. Once you get the business from a person or not, ask him to refer his friends,colleagues,relatives etc., and meet them and go on doing this way and you can achieve your goal.
good luck
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http://www.geocities.com/pnkmurthy/lic.h...
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Innovative ways to promote time insurance policies?
Hi, i am desperately in stipulation of funding to go on a study out of the country program. and i need to lift up money by selling insurance policies.. please suggest innovative ways to generate leads and convert them...Answers: Hi, If you are really want to take home more business, then discuss nearly insurance with everybody you assemble and ask for the business. Improve your knowledge just about the products you sell and be prepared to clarify any doubts to your prospects. Once you get the business from a soul or not, ask him to refer his friends,colleagues,relatives etc., and meet them and dance on doing this way and you can undertake your goal.
correct luck
pnkmurthy(a)yahoo.com
http://www.geocities.com/pnkmurthy/lic.h...
Getting "genuinly interested" people is the push button to succeed in insurance corral.