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Insurance company never advised information was missing from claim, cover now lapsed

  • 13-05-2014 6:07pm
    #1
    782378
    Registered Users, Registered Users 2 Posts: 115 ✭✭


    Hello,
    I do not want to give too specific information as I am still currently in dispute with an insurance company in relation to a claim. I would appreciate if somebody could provide any assistance before I respond to the insurance company/

    A couple of years ago we submitted a claim with an insurance company due to structural damage in our house. An external report had to be submitted by a third party to provide evidence of damage on our behalf, with specified protocols to be followed.

    One of the protocols specified by the insurance company was not included in our third part report.

    It has now come to light that the expert whom assessed our claim on behalf of the insurance company pointed out to the insurance company that specific information was missing from our submission.

    The insurance company never relayed this information back to us or to our third party expert whom provided the report. They relayed a summary of thei experts analysis based on the evidence provided but failed to inform us that he couldn't make a complete recommendation as certain information was missing.


    Our cover has recently lapsed and the insurance company have advised, that we did not follow their suggested protocol a few years ago when we originally submitted our claim and the claim is now rejected as our cover has lapsed.


    Should the insurance company have advised us of the specific missing information when we originally submitted the claim?

    Can they justifying withhold this information after it was pointed out by their expert ?


Comments

  • #2
    Victor
    Registered Users, Registered Users 2 Posts: 78,579 ✭✭✭✭Victor


    Get thee to a solicitor
    782378 wrote: »
    Our cover has recently lapsed and the insurance company have advised, that we did not follow their suggested protocol a few years ago when we originally submitted our claim and the claim is now rejected as our cover has lapsed.
    It would seem an unusually harsh treatment that you need to insure the property for years after the event occurred. However, maybe that is what the policy says.
    Should the insurance company have advised us of the specific missing information when we originally submitted the claim?

    Can they justifying withhold this information after it was pointed out by their expert ?
    They will point to your expert being responsible for telling you.


  • #3
    782378
    Registered Users, Registered Users 2 Posts: 115 ✭✭782378


    Victor wrote: »
    Get thee to a solicitorIt would seem an unusually harsh treatment that you need to insure the property for years after the event occurred. However, maybe that is what the policy says.




    The insurance was the '10 year structual insurance' so we weren't continuing to insure the property after the event occured, This 10 year structual insurance came with all built new houses. When we noticed structural damage a couple of years ago we submitted a claim.
    Only when the insurance expired this year , did it come to light from the insurance company, that our original submission of evidence was missing some required information.


    Should they not have been obliged to point out to us at this time, that key information was missing?. Therir expert pointed this out to them in his correspondence and advised that the claim could only be assesed in relation to the information provided. If we had been given an opportunity to remedy a different outcome would more than likely have been deducted.


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