Tauranga Rant and Rave

**greminn** · 25th August 2009, 18:47

Originally Posted by bucket boy

Heres a good one for you home owners, you might want to check you insurance policies.Our tenant smelt a musty water smell in our house ,I go straight around to check its had a leak in the wall some where.I ring ami say whats the deal, we pay up to $1500 we dont pay for plumber or damage carpet.I say that would pay for f--k all. I check it out more through, and it has been installed wrong from new so that means ami pay for nothing.So new bathroom,dining room, hall everything has to be stripped out and redone.so now looking at new company and will be checking all the fine print this time

stirts got all the swearing out of the way... So my 2c is:

Dodgy bloddy builder types!

**saul** · 25th August 2009, 19:17

Originally Posted by jimbo

The weather forcast is sunny for thursday,I reccomend you buy it that day

Yeh that would have been great

. However, have done the figures and I come out the wrong side. All that drooling for nothing

Its not gonna happen

**Geordie_Biker6** · 25th August 2009, 19:37

heya guys

just wanted to fire a quick question.

this thursday night will be my last with you fellas as the next day i am starting a very long ride down to christchurch where im moving too. wanted to know if anyone would care to join me for part of the trip? will be leaving whakatane around 7am on friday morning. cheers.

**nodrog:Me** · 25th August 2009, 20:49

Originally Posted by Geordie_Biker6

heya guys

just wanted to fire a quick question.

this thursday night will be my last with you fellas as the next day i am starting a very long ride down to christchurch where im moving too. wanted to know if anyone would care to join me for part of the trip? will be leaving whakatane around 7am on friday morning. cheers.

will you tell on me for speeding?

**Matt Bleck** · 25th August 2009, 21:22

Originally Posted by nodrog

will you tell on me for speeding?

oh Gordon, you would have to speed for that to happen!

**Idrumm** · 25th August 2009, 22:17

Originally Posted by Matt Bleck

oh Gordon, you would have to speed for that to happen!

or own a zx 10

**greminn** · 25th August 2009, 22:27

Originally Posted by Geordie_Biker6

heya guys

just wanted to fire a quick question.

this thursday night will be my last with you fellas as the next day i am starting a very long ride down to christchurch where im moving too. wanted to know if anyone would care to join me for part of the trip? will be leaving whakatane around 7am on friday morning. cheers.

Sorry bro... 2 busy doing burnouts at 7 am in the pub carpark!!

seriously tho: have a good trip!

**greminn** · 25th August 2009, 22:28

Originally Posted by nodrog

will you tell on me for speeding?

On the RS i hope?

**Matt_TG** · 25th August 2009, 22:33

Originally Posted by bucket boy

Heres a good one for you home owners, you might want to check you insurance policies.Our tenant smelt a musty water smell in our house ,I go straight around to check its had a leak in the wall some where.I ring ami say whats the deal, we pay up to $1500 we dont pay for plumber or damage carpet.I say that would pay for f--k all. I check it out more through, and it has been installed wrong from new so that means ami pay for nothing.So new bathroom,dining room, hall everything has to be stripped out and redone.so now looking at new company and will be checking all the fine print this time

Hi mate,

Not been doing much riding lately (anyone wanna buy my GPZ?) but I can offer some advice here hopefully.

Generally, most insurance policies exclude what they call gradual damage (been happening for a while rather than a sudden flood - with water it means there's rot and/or mould happening), but offer as an extension cover of up to a set amount if it's a hidden supply pipe or waste pipe - the catch is most insurers say that you have to own and occupy the house.

AMI DO cover tenanted properties by the look of things, but have an inherent defect clause, as do all insurers. In my view however, AMI translate their wording incorrectly, in that they exclude all damage as a result of the defect, where 99% of insurers would only exclude the cause and pay for the resultant damage. This means that other insurers wouldn't pay to fix the pipe but would pay the rest.

Still with me? If AMI were to apply the same reasoning to all their claims they would hardly ever pay out (perhaps they don't...) as most claims are a result of a defect of some sort (your washing machine pipe bursts / TV catches fire / floor is slippery when polished and you slip, breaking your glasses etc etc).

I would challenge the person you are dealing with at AMI. The intention of the policy is not to exclude the resultant damage, the lady sitting at the desk may not completely understand matters. Push it further I say.

If you change insurers, make sure you get a policy that covers gradual damage at a tenanted property and they know that it's tenanted. NZI offer it, State don't (although they are the same company). Others do too.

Feel free to ask any more, in PM if ya like.

Sorry for boring anyone else!

Matt

Add:

Just took a look at their policy, it specifies "any fault or inherent or existing defect in the construction of your house or the materials used, or any error or omission in the design of your house"

This would be to get around any leaky home type claim. What makes you think that the installation was wrong from the start, and if so has it been leaking since new? If not you could say it wasn't inherent as it wasn't leaking from the start, or at least you were unaware of it and it passed Council sign off when constructed so it met code.

I still think you have good grounds to push matters ....

**greminn** · 25th August 2009, 22:50

Originally Posted by Matt_TG

Hi mate,

Not been doing much riding lately (anyone wanna buy my GPZ?) but I can offer some advice here hopefully.

Generally, most insurance policies exclude what they call gradual damage (been happening for a while rather than a sudden flood - with water it means there's rot and/or mould happening), but offer as an extension cover of up to a set amount if it's a hidden supply pipe or waste pipe - the catch is most insurers say that you have to own and occupy the house.

AMI DO cover tenanted properties by the look of things, but have an inherent defect clause, as do all insurers. In my view however, AMI translate their wording incorrectly, in that they exclude all damage as a result of the defect, where 99% of insurers would only exclude the cause and pay for the resultant damage. This means that other insurers wouldn't pay to fix the pipe but would pay the rest.

Still with me? If AMI were to apply the same reasoning to all their claims they would hardly ever pay out (perhaps they don't...) as most claims are a result of a defect of some sort (your washing machine pipe bursts / TV catches fire / floor is slippery when polished and you slip, breaking your glasses etc etc).

I would challenge the person you are dealing with at AMI. The intention of the policy is not to exclude the resultant damage, the lady sitting at the desk may not completely understand matters. Push it further I say.

If you change insurers, make sure you get a policy that covers gradual damage at a tenanted property and they know that it's tenanted. NZI offer it, State don't (although they are the same company). Others do too.

Feel free to ask any more, in PM if ya like.

Sorry for boring anyone else!

Matt

Fcuk me! There is like 10 ( well it seems like it ) paragraphs of sane and coherent stuff on the tga Thursday night thread!!! The world is an amazing place full of wonder!!