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Dear Katie,
Last summer I noticed that the inner wall between the bathroom downstairs and the kitchen was damp. I immediately consulted a confused builder. He thought about it and said he would come back to me in the fall. By the end of the year I hadn’t heard from him, so I contacted another builder. He said he thought it was from a pipe leaking moisture.
Earlier this year, I sought advice from my home insurance company, Saga. I was shocked to hear that the previous underwriter was not responsible and did not report until 2022 due to a problem in 2021 as the underwriter had just changed from Saga prefecture.
I’m 88 years old, living alone, stuck in a very unsightly and damp wall, and can cost thousands of dollars to repair.
–AN, North Yorkshire
Dear reader,
This deal with the underwriter sounded like a pathetic excuse to reject your claim. Your insurance policy was with Saga, not the underwriter, so any changes to the insurance policy structure should not have affected your claim. I also felt that it was not fair for Saga to penalize you for not insisting early. As an insurance seller in your 50s and above, you need to be aware that there are many vulnerable customers like you. It wasn’t your fault that the first merchant took a long time to return to you. I immediately reported to Saga when a problem occurred.
Fortunately, following my involvement, Saga agreed to accept your claim. Someone is coming to your property to assess the situation. Saga Prefecture apologized for the additional stress it caused to you, you thank you.
A Saga spokesman said: We asked her current underwriter to accept her claim. A loss assessor has been appointed to agree to this and further investigate the claim. “
Dear Katie,
Last summer I noticed that the inner wall between the bathroom downstairs and the kitchen was damp. I immediately consulted a confused builder. He thought about it and said he would come back to me in the fall. By the end of the year I hadn’t heard from him, so I contacted another builder. He said he thought it was from a pipe leaking moisture.
Earlier this year, I sought advice from my home insurance company, Saga. I was shocked to hear that the previous underwriter was not responsible and did not report until 2022 due to a problem in 2021 as the underwriter had just changed from Saga prefecture.
I’m 88 years old, living alone, stuck in a very unsightly and damp wall, and can cost thousands of dollars to repair.
–AN, North Yorkshire
Dear reader,
This deal with the underwriter sounded like a pathetic excuse to reject your claim. Your insurance policy was with Saga, not the underwriter, so any changes to the insurance policy structure should not have affected your claim. I also felt that it was not fair for Saga to penalize you for not insisting early. As an insurance seller in your 50s and above, you need to be aware that there are many vulnerable customers like you. It wasn’t your fault that the first merchant took a long time to return to you. I immediately reported to Saga when a problem occurred.
Fortunately, following my involvement, Saga agreed to accept your claim. Someone is coming to your property to assess the situation. Saga Prefecture apologized for the additional stress it caused to you, you thank you.
A Saga spokesman said: We asked her current underwriter to accept her claim. A loss assessor has been appointed to agree to this and further investigate the claim. “