Cunningham & Lindsey Loss Adjusters

njrcarp

thanks I will keep you posted with what happens I just cud not under stand why they sending a second loss adjuster out after the first one they sent went throw every room listing what it cost to replace in the house and even said I had the right amount cover in the house on top the cover for the shed

dacouch

njrcarp wrote: »

thanks I will keep you posted with what happens I just cud not under stand why they sending a second loss adjuster out after the first one they sent went throw every room listing what it cost to replace in the house and even said I had the right amount cover in the house on top the cover for the shed

That's good news then as it sounds like they have already done the under insurance check. The second visit may just be triggered by it being a relatively big claim

njrcarp

Hi Gays
I have just had a letter off Cunningham Lindsey with the date and time the second loss adjuster is coming out to see me they have also told me that the appointment will be recorded ???? They want me to list every item that was taken what shop it was from how much I paid and how I paid and have the till receipt and photos off the item then to sing and date the forms I Have receipts but I cant remember what one is for what do I sing the forms can anyone help me on this please.

paddyandstumpy

No need to call us gay...

It sounds like a fraud interview, there must be some discrepancies with your claim somewhere. Have you elaborated it in any way?

njrcarp

no I have not elaborated it in any way they saying as I have been Brocken into before that's why they want to come out again see me and want me to list everything and how much it was and where I got it from as the suppliers have quoted them just under £10,000 to replace everything

paddyandstumpy

So if this has happened before, did you take steps to improve the security on your outbuilding, perhaps adding locks to it?

Also, the insurer is probably checking when they paid out before you replaced all the items, and you aren't using the same receipts as the first claim to claim twice for the same items?

Finally, if you've had £10k worth of fishing equipment stolen, is the overall contents sum insured sufficient and proportionate?

By sufficient I mean does the sum insured cover everything, including the fishing stuff?

By proportionate I mean that if you have £10k to spend on fishing tackle, does that tie in with the rest of your contents and your lifestyle?

It could be argued you've elaborated the value of the claim if you live very frugally and/or have low value possessions, it's not normal to spend so much on one hobby if that's not reflected in your general living style.

Hope that makes sense?

TSx

The loss adjuster now visiting will be from the 'special investigations' team. The most likely reason is that you've tripped some fraud indicators - I'd imagine the previous burglary being one.

They can only prove fraud if it exists so just be honest. If you can't remember something or you're confused don't make things up - just let them know.

njrcarp

oh right thanks I will and I let you know what happens next week thanks

dacouch

Be prepared for esure to not want to renew your policy, it won't neccessarily be due to any concerns over fraud. But is likely due to this theft claim and the previous theft claim.

There aren't many Insurers who would want to continuing offering cover after two fairly large theft claims

njrcarp

thanks I have got every receipt and invoice ready for them every photo I have on the items ready to show I had the items I don't know what more I can do to prove I had it all