Slipped through a shower door

Accident loss claim – November 2017

Background

Simon took out a landlord’s insurance policy with Initio for his property in Palmerston North in September. Not having used Initio before and only having one policy, he was like many clients and a bit unsure  how his policy would respond if he had a claim. Two months after his policy inception date he got his chance to find out. Simon received a call from his tenant advising his daughter when going into the shower had slipped and crashed through the shower door.

Claim Process

Simon phoned a repairer straight away and organised them to come out and provide a quotation for a replacement door. He took some photos of the damage and called initio. Initio advised Simon to lodge his claim online and send through copies of the photos and quotation he had obtained from the repairer.  Simon’s policy protects him again sudden and accidental loss to his property. The damage to the shower door was consistent with a sudden and accidental loss and he knew the exact time of loss the damage happened.

Outcome

It really doesn’t get more straightforward then this. Simon provided all the information required when lodging his claim. From the photos he supplied his insurer were able to assess the damage.  After his policy excess was deducted a  payment was made into Simon’s nominated bank account for repairs and replacement of the shower door. This claim was lodged and settled within 24 hours for just under $1,000.

All claims are different, and they are assessed on their own merits and facts. The above profiles do not imply a guaranteed approached all such claims