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★☆☆☆☆

“This Company should be investigated for unethical...”

Written on: 09/10/2016 by JeanWells (1 review written)

I had a painting accident whereby the can hit the arm of my sofa when I fell, catapulted off, hit (I think) the edge of the half opened lounge door causing the paint to splurt indiscriminately all over, causing considerable damage to my sofa, carpets, woodwork etc. They claimed that a couple of lines of paint could not have been caused as I described, which is completely wrong, every spec of paint damage was caused as a result of the fall and whilst I was still on the sofa. The report did not dispute the paint tin ring on the arm of the sofa or the remainder of the extensive damage. I spent over 3.5 months challenging this and asked many questions, all of which they refrained from answering. Their conclusion of what happened would have been impossible and when I asked how they considered it possible they did not/could not answer the question. My original pictures showed an expensive wool carpet in excellent condition with no marks or stains, however, three out of the four pictures used primarily in the report they commissioned were taken around 3 weeks after the event by the loss adjuster and showed big black marks, which was a result of debris from the door handle being removed when my joiner came to take the door away to be dipped. This was totally unacceptable as it showed my home in a very different state. I have sent my case to the Financial Ombudsman and I have obtained an estimate to have an independent forensic report carried out. Having never had a contents insurance claim before, I have been truly shocked at the injustice. I asked the Company who wrote the report to pass this to somebody else within their practice to look at my original photographs and take account of everything that I was saying but their response was that RSA want to keep control over their cases. The Company who wrote the report never visited my home and had no direct communication with me whatsoever. I have written to my MP as I strongly feel that reports written for such purposes should be totally independent and impartial, there should be no conflict of interest whatsoever in order to protect innocent people. I am having sleepless nights and panic attacks, being accused of something I have not done is dreadful, I am frightened that I have been made uninsurable and to think that people who can stand as expert witnesses can get a situation so wrong is alarming.

I urge anybody who is going through a difficult time due to this insurance company to write to their MP, publish your case on as many review centres as possible and proceed to the financial Ombudsman if you do not get justice. Walking away is not the answer, it is what they want you to do.

Finally, to all the people writing nice reviews about how easy it was to get insured with this Company, I hope, for your well being, that you never have need to make a substantial claim

Jean Wells

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