House Insurance Claim - Fraud Team called out

[Deleted User]

samantha241 wrote: »

Hi

My insurance company has voided my claim from the date of my flood, saying it was not in utmost good faith.

Should I appeal to them directly or get a solicitor involved (any recommendations most welcome) or should I go to the insurance ombudsman, just I have read in your replies that even if you go the insurance ombudsman, solicitors can still be involved to prove your case.

The flood was genuine and I think they are just trying to get out of not paying as someone else signed so that my food/accommodation cheque could be put into my sole name. I was still entitled to that money.

Also sometimes, I had two rooms in the hotel(budget hotels), but I gave all the bills as they were and they still paid out, I had an allowance and the remainder of the time, I paid for everything.

They are now also saying I shouldn't have had two rooms but I did not cover anything up and gave the bills as they were. Could this be considered as fraud?

Please help, I have lost all my savings, am in huge debt (50k approx) and living with friends now.

Am living a nightmare and just want my house back.
Sam

So why'd you have two rooms in the hotel?

Kittian_the_Blue

Sam

Without a lot more detail , which you probably should not post on public forums (lots of fraud teams monitor the tinterweb!) it would seem to me that you may well have committed Fraud. from the fact that you got your friend to assist you in misleading the insurer, you will not have any grounds to allege that this was an accidental misrepresentation.Appealing to the insurer is going to get you nowhere - if they have alleged fraud then the complaints team will not usually contradict them as a legal opinion should have been sought before they responded to you.
I suggest you go and see a lawyer and/or CAB and give them all the facts and see what they suggest, this is a very serious allegation against you and you need proper professional advice.

Miss_Qwerty

Most insurers are well within their rights to void a claim if ANY PART of it is false. And its in your terms and conditions in your policy book. You got someone else to forge your ex husbands signiture so you could get more money. You were in the wrong. I think you just need to accept it and take whatevers coming.