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.
Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.
- If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.
If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.
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