PSA – Budget D insurance update…and the saga goes on and on…

Not sure if ppl know, care or follow but regardless, consumers should be aware of what they are opening themselves up for if purchasing a policy via BD insurance.

Claim lodged in early Nov – major home damage from flash downpour, cat 3 contaminated water due to septic tanks over flowing. Make safe ppl attend – declare place a mess, have to come back with extra ppl and drying equipment, then I’m ghosted by sub contract and insurance – for 3 weeks. After jumping up and down, having to cancel Xmas plans, getting kids out of a contaminated mouldy house, I finally get to see a restoration quotation in January – and all measurements are completely wrong. 15 different appointments made and 10 attendances – to get the scope of works 100% wrong. So instead of contemplating using the insurance trades to restore my biggest investment, I sought a cash settlement so I could get my home fixed properly.

After a month of discussion, escalation to their high home care division and more attendances, we agree on a settlement number. Only then – I’m told, “I’m glad we could agree, I now need my leadership team to review and sign off before we can release any money” – wtf? How long will that take? “Don’t know, but I’ll try and expedite…” and this is the same message, almost exactly the same copied and pasted every week there after…

So at this stage, 4 months after an insured event / accepted claim – my home has 3 areas that are dangerous, contaminated and unusable, with large bulky items still needing to be removed from the premises, whilst this insurance company just continues to F me around. To cap it all off – the damage is getting worse whilst they delay, with oak flooring buckling so bad it’s now lifting cabinets in the kitchen, trip hazards, etc.

So Be aware people – the policy might be a little cheaper, but when you need to claim – Cust service is EVERYTHING and BD have failed many, many times on this claim.

Ps – ombudsman / AFCA are well aware and have asked for explanation by mid Feb, in the meantime, we try and not visit various parts of our home.