Home insurance - Undervalued lost/stolen property
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Another way in which your lost or stolen items can be undervalued is if your cover is inadequate. Home insurance policies will have a maximum payout available for any single item, and for many expensive items (e.g. jewellery, art or curios) the item will not be insured unless it is separately listed upon the policy. In order to avoid being caught by this you should familiarise yourself with the cap on your policy and the terms and conditions of your policy and ensure that any items which need to be listed separately are.
In the event that you believe that you have been treated unfairly or misled then you should contact your insurer to ask why your payout has been limited, as you have the right to appeal. resolver recommends that you submit your concern in writing, and resolver can assist you in submitting, recording and reminding you when and who to escalate to. You should retain a copy of the letter, and send all correspondence by recorded mail. Details of how to make a formal appeal will be found on your policy documents, or on your insurer's website. Otherwise, a last resort is to contact the Ombudsman, which will act as a mediator in your case. resolver recommends that you submit your concern in writing and resolver can assist you in submitting, recording and reminding you when and who to escalate to.
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If you can't resolve your issue within 8 weeks of making your complaint (or if you've received a 'deadlock letter' or final decision from the company), you can escalate your case to the Ombudsman.
Your complaint has to be less than 9 months old to be escalated to the Ombudsman.
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