Is backdating a letter legal?

I will call them tomorrow. Why not? Put my dispute in dot point before I call

 

The first report inspection that went missing doesn’t say their is any issue with silicon failure around the bath. I have a copy, insurance company don’t. Second and third reports from same company say that it may have failed. Insurance company says they can’t take the first report that went missing into account.

 

Sounds like you are not sure why they refused a claim. Silicone failure is maintenance. It is not insured. Leaks are generally uninsured. Loads of claims are rejected as they arent covered by the policy terms.

A policy is a contract based on its terms. Dont assume damage is insured. What does the.policy define?

Innundation is not often covered as it often relates to bad drainage not a insured event. Clear your drains and gutters?

 

It’s saying not covered as - not maintaining your home in good repair and condition.

Which isn’t true.

So I called insurance company, they may reopen the case after we smash out a wall and investigate further once we find the real reason.

 

I would be reading the policy well and understanding what is and what is not covered under
1. Building policy clauses and
2. Contents policy clauses
3. Accidental damage if this is a possibility
as it relates to water escape, leaks and broken pipes.

You want a evident reason why water escaped. I had that. It was my own fault. I broke a PVC pipe (floor trap with calcium buildup I was too aggressive with) which took days to fill then overflow downstairs. They accepted I had damaged the pipe and I had accidental damage as a building & contents option (otherwise not covered). Showed them the pipe and the break/hole I created. Covered. For the pipe replacement (only) minus excess which was under waterproofing but the plumber had access under the floor and preserved the floor (took him hours to gently remove the pipe). But the asessor created a second claim for the water damage to ceiling etc. That hole had to be left open for the assessor to come out. They covered gyprock and repaint less excess #2.

Stop work, take good images and get plumbers opinion in writing and retain any parts that show damage / break etc that support plumbers opinion. Lodge claim / reopen. Seek (phone) approval to proceed if urgent repairs required. Urgent doesnt mean gyprock hole. It means pipes etc affecting use of premises. Insurers like to have a say in minimising cost and can deny claims that dont follow their rules

 

Thanks @Paul@PFI.

Really great tips! Will do that and study all my policies!