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29-04-2011, 08:11 AM | #31 | |||
Ford Fanatic
Join Date: Feb 2005
Location: Brisbane
Posts: 1,480
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I too work in the industry and am 100% with Ratmac on this one. Trev, like has been already pointed out by the guy that used to work for AAMI, thier policy is a defined event policy which covers the events defined in the policy. With that in mind, what defined event has happened to you? If you cannot find one of the defined events your policy covers then you are not covered.
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29-04-2011, 08:34 AM | #32 | |||
The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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Don't read your policy, then when you try an lodge a claim that is not covered you can 'name and shame' them on a motoring forum. How about you admit you made a mistake and your insurer actually honoured your policy as they should.
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1992 DC LTDHO 360rwkw built by me Tuned by CVE Performance Going of the rails on a crazy train Other cars include Dynamic ED Sprint, Dynamic DL LTD, Sparkling Burgundy DL LTD, Yellow, Red & Blue XB sedan & Black XB Coupe
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29-04-2011, 10:07 AM | #33 | |||
FF.Com.Au Hardcore
Join Date: Aug 2007
Location: Brisbane
Posts: 551
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Being an earthmoving operator i have noticed that plumbing and such is conducted a general distance away from footings as space allows. However the amount of dodgy stuff ive seen, like massive holes to get to a sewer connect right next to a new structure, poorly backfilled and subsiding within days or weeks is mind boggling. But a neighbouring properties plumbing directly attributing to the ground movement of the affected property, that has been caused by negligence on behalf of firstly building management, and then compounded by service installer. The industry is rife with negligence. I wouldn't invest in building any structure these days, i'll invest in long established stuff in the future |
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29-04-2011, 11:31 AM | #34 | |||
FF.Com.Au Hardcore
Join Date: Mar 2005
Posts: 7,752
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I dispute their interpretation of the wording, I think they are being pedantic currently because finacially they are under the pump. Also, I know for a fact that they have paid a claim under the exact same citcumstances as mine for a person I know who lives in the same town as I live in, BUT it was 2 years ago, well before all the natural disaters that are going on.
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29-04-2011, 11:36 AM | #35 | |||
FF.Com.Au Hardcore
Join Date: Mar 2005
Posts: 7,752
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Going down the path of getting re-course from the original owners/builders/contractors is going to be far too difficult, it was 15 years ago they did it.
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29-04-2011, 12:17 PM | #36 | |||
FF.Com.Au Hardcore
Join Date: Nov 2006
Posts: 1,458
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Work that causes structural damage must be warranted for 25 years. It is the only way to go. |
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29-04-2011, 12:29 PM | #37 | |||
FF.Com.Au Hardcore
Join Date: May 2010
Posts: 3,338
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Your wrong about one thing, they are not under the pump financially. Natural disaters happen every year. The money that AAMI has comes from suncorp, and any event that has happened such as flooding, bush fires etc, they have reinsurance for. So any company that comes under the suncorp group which is about half the insurance industry, all the costs of the big event gets added up together, and once the cost hits a certain level the reinsurance will cover will kick in. Also insurance company's plan for disasters and out certain amounts of money away for big events. Now for the wording of AAMI's policy. You are not covered under any section of the policy for damage, loss, cost or liability caused by or arising from or involving: - erosion or washing away of soil, earth or gravel, - soil movement or settlement, (this can be found on page 14 of the PDS) Even in your own topic you said this. After the plaster fell we got an engineer in to work out what was going on, he investigated the problem and found that when our next door neighbour built their house with A V Jennings about 12 months after ours the plumbers dug a 700 mm deep trench along side our garage footings to put in a gas main. Over time the disturbed ground has dried at a different rate to the ground around it and subsequently this has under-mined our garage footings. A written engineers report supported this. You yourself even said it was due to settlement, how has AAMI interperated the wording any different, it is very basic wording. |
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29-04-2011, 01:20 PM | #38 | |||||
The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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Awaits PM
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1992 DC LTDHO 360rwkw built by me Tuned by CVE Performance Going of the rails on a crazy train Other cars include Dynamic ED Sprint, Dynamic DL LTD, Sparkling Burgundy DL LTD, Yellow, Red & Blue XB sedan & Black XB Coupe
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29-04-2011, 03:19 PM | #39 | |||
[EBGLT]
Join Date: Sep 2005
Location: Cazza Dee
Posts: 4,829
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Quote:
Looks like you hit a sore spot too. Lol
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29-04-2011, 06:14 PM | #40 | ||
Fossil fuel consumer
Join Date: Jul 2005
Location: Mod For: Pub, Bar, Sales Yard, Show 'N Shine, Photoshop, AU to BF, FG to FGX, Territory & Sports Bar
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