What if my insurer gives me grief?
CLAIMING your insurance cover after a natural disaster can go one of two ways. It can be a breeze, or like pulling teeth.
While it's most often the former, depending on your insurer, cover and the extent of the damage, sometimes it can become a tricky situation.
The Financial Ombudsman Service may help if you find you're struggling to get the right outcome with your insurer.
FOS is an independent, national organisation that resolves disputes between consumers and financial services providers free of charge.
There is a hotline, 1800 337 444, set up to provide information and help on insurance claims, financial hardship and other financial issues experienced as a result of natural disasters.
A case worker will keep you informed about the progress of your case at every stage, and will ask you to send them information to assess and progress your case.
The types of information includes:
Why you are dissatisfied with the insurer's decision
How you calculated the amount you are claiming
Copies of correspondence between you and the insurer
Photographs or video footage
Reports and statements
For more information, head to www.fos.org.au or email FOSdisaster @fos.org.au.