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I was reading through the opening post and thought pretty much immediately you might get rejected by both. Sorry to hear it. I think the contents insurer is on pretty thin ice and I'd go through the complaints process with them.
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Yes, that's where it is heading I feel. AMI are always a hassle now since the earthquakes. I think they will just fold once the complaints process starts.Comment
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All comes down to the wording of the policy in the end.Comment
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To me, this was clear.
AMI Contents policy.
NOT covered;
"– fixtures or fittings permanently attached to your house or any building."
AMI Home policy (which I do not have)
NOT Covered;
"– fixtures or fittings that are not permanently attached"Comment
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Finally an update!
BNZ came back with the report from the assessor.
Damage to units is not covered by home policy, recommended contents cover on items. He provided me a report to give to AMI detailing this.
Presented to AMI and they finally agreed to pay. But they would pay the amount I paid for the units, not replacement value.
According to their policy it should be "replacement value", but I think they have finally succeeded in wasting my time so much that I have accepted it.
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