Topic: Fire & General Insurance

Insurer’s cash settlement for a high-end sofa imported from the US was insufficient to purchase a sofa of the same quality in New Zealand. There were also delays in the claims and complaints processes.

After some bad weather, Tom found leaks through his ranch slider and water damage to his lounge ceiling. His insurer said he had a leaky home and declined his claim. Tom complained to FSCL.

Tom had a large crack in his driveway that he wanted his insurance company to pay the repairs for. The insurer declined Tom’s claim based on the cause of damage. Tom felt that insurer had not properly assessed the cause of damage before making their decision and complained to FSCL.

An apartment owner submits an insurance claim after the discovery of methamphetamine contamination at his apartment. The insurer declines the claim on the basis the contamination was not ‘in connection with manufacture, distribution, or storage.’

Is an insurer liable for the substandard repair of an earlier claim?