THE INSURED IS TAKEN IN CASE OF DOUBT

If the policy condition is not clear and there is doubt about the claim settlement, the insured person will be right. Insurers must make their policy condition crystal clear in order to avoid confusion.
Recently, an accident happened in Utrecht with Mr. Richards in his garden. The accident happened on a bad day, there was a violent storm. Next to the house of this gentleman was a large birch that was heavily endured by the storm. After a while the tree did not stop, he broke off and fell against the man’s greenhouses. Very annoying, of course, because Mr. Richards himself could not do anything here.

The man was a lover of growing his own vegetables. For this he had special greenhouses installed in his garden. The costs for the construction of these greenhouses? Approximately € 12,000. A big damper for Mr. Richards. According to the insurer, they only cover the damage if the tree had been attacked against the house. In this case there is no damage to the house, so he could whistle to his money.

Mr. Richards did not stop and went to the Disputes Committee, a committee you can go to if you disagree with the insurance company’s decision. This committee publishes an independent report about who is right in this type of case. She ruled that the following sentence: “You are insured for damage to the garden that belongs to your home” is decisive for whether or not to pay out the damage. The insured person was put in the right and the insurer has now paid out the damage.

An insurer must therefore in any case clear the policy. Do you disagree with the assessment of the insurer? For an independent advice, you can always turn to the Disputes Committee.