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We see complaints where the insurer has accepted that the building damage was caused by an insured event. But it’s declined the claim because it considers the damage has been caused gradually – and gradual damage is a policy exclusion.

Often consumers will complain because they don’t think the damage was gradual. Others accept the damage was gradual, but don’t think it’s fair for their claim to be declined because they didn’t know the damage was happening gradually.

We’ve also seen cases where the insurer has said they don’t think the damage was caused by an insured event because they think the damage happened gradually. For example, the insurer may decline a storm claim because they don’t think the damage was caused by a single, sudden storm – but by bad weather gradually over time. So the insurer is declining the claim because it doesn’t think the damage was caused by an insured event. It’s not relying on a gradual damage exclusion. As such, it’s a different type of complaint to the ones considered in this note. For information about how we’d look at this type of complaint, see our notes about insured events – like storm or flood.

 

 

 

 

 

 

 

 

 

 

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