Insurer won't pay!

ThinkingOutLoud_2

Not really. A seasoned police officer advised exactly this - that where a burglar saw an open window or any less than secured entries, they were likely to infer that the security elsewhere in the house might not be "hardened" either and so it might make an easier target. Seems fair enough judgement, based on experience. Let's agree to disagree.

dacouch

ThinkingOutLoud wrote: »

Not really. A seasoned police officer advised exactly this - that where a burglar saw an open window or any less than secured entries, they were likely to infer that the security elsewhere in the house might not be "hardened" either and so it might make an easier target. Seems fair enough judgement, based on experience. Let's agree to disagree.

The Ombudsman's view is more important than a policeman's in this situation.

"In our view, a policyholder who has failed to comply with the security requirements in force will not lose protection under the policy unless failure to comply is relevant to the loss. If, for example, the policyholder agreed to have his or her window locks secured whenever the house was empty, but then forgot and was burgled, it would not be reasonable for the insurer to reject the claim unless the burglars were able to get into or out of the house by means of an unlocked window"

ThinkingOutLoud_2

dacouch wrote: »

The Ombudsman's view is more important than a policeman's in this situation.

"In our view, a policyholder who has failed to comply with the security requirements in force will not lose protection under the policy unless failure to comply is relevant to the loss. If, for example, the policyholder agreed to have his or her window locks secured whenever the house was empty, but then forgot and was burgled, it would not be reasonable for the insurer to reject the claim unless the burglars were able to get into or out of the house by means of an unlocked window"

Agreed as regards settlement of the claim or in this case their attempt to decline thus far hence my first post.

So how did they get in?

I am simply saying open windows make you more of target. Your insurer therefore has as interest in its insureds securing everything they can.
As you indicate they can't rely on it, if not relevant to the loss; so one might assume it is in part motivated to encourage the behaviour I suggested? Reducing burglaries from the properties they insure. Well, not everyone thinks so I know.

societys_child

Just a guess, but it would appear thieves gained access through the open window, otherwise how would the insurance company know the window was left open?

Maybe doodles will enlighten us.

EdGasket

societys_child wrote: »

Just a guess, but it would appear thieves gained access through the open window, otherwise how would the insurance company know the window was left open?

No sh*t Sherlock!

societys_child

Might be obvious how they got in, but despite being asked a few times, he hasn't actually answered the question.

Mr.Generous

They were teleported in by Mr Spock. The internal door was defeated by phasers, set to stun.

DCFC79

Mr.Generous wrote: »

They were teleported in by Mr Spock. The internal door was defeated by phasers, set to stun.

Spock doesnt do the teleporting he does his mind control doesn't he so he did his mind control on the OP to leave a window open.