I have a situation.
I had my swampy serviced as it was making a loud banging sound. After the service, it continued to make the sound so they returned. During the Christmas period, it started again on and off. When I spoke with them, they said it was fine and they were experienced. Well the aircon caught fire and caused damage.
I decided to put in a claim with my insurance. I've had my insurance for 4 years. The insurers said because rooms are rented out to individuals rather than to a family, it falls under a boarding house which makes it a commercial property, therefore, they won't pay.
I checked my policy for a definition but there wasn't any so I checked the NT Government site and it states that a boarding house is where the owner can enter without notice, provides cleaning and meals and other things.
I don't provide any of these things and our agreement states that notice is required if I want to enter and their pds doesn't clarify boarding anywhere.
My questions are:
a) How can I dispute this decision based on my belief that it's not a boarding house as no service is provided
b) If I have not been covered during this 4 year period...can I get my money back?
c) I'm still waiting for the incident report and if it confirms the fire was started by the aircon how can i pursue a claim with the plumbing company that serviced it? They say they don't believe they were at fault.
Thanks in advance.
I had my swampy serviced as it was making a loud banging sound. After the service, it continued to make the sound so they returned. During the Christmas period, it started again on and off. When I spoke with them, they said it was fine and they were experienced. Well the aircon caught fire and caused damage.
I decided to put in a claim with my insurance. I've had my insurance for 4 years. The insurers said because rooms are rented out to individuals rather than to a family, it falls under a boarding house which makes it a commercial property, therefore, they won't pay.
I checked my policy for a definition but there wasn't any so I checked the NT Government site and it states that a boarding house is where the owner can enter without notice, provides cleaning and meals and other things.
I don't provide any of these things and our agreement states that notice is required if I want to enter and their pds doesn't clarify boarding anywhere.
My questions are:
a) How can I dispute this decision based on my belief that it's not a boarding house as no service is provided
b) If I have not been covered during this 4 year period...can I get my money back?
c) I'm still waiting for the incident report and if it confirms the fire was started by the aircon how can i pursue a claim with the plumbing company that serviced it? They say they don't believe they were at fault.
Thanks in advance.