Non Motor Insurance taking customers for a ride

Be very careful when dealing with Old Mutual nonmotor insurance. They assessor takes shortcuts and send a report based on his opinion without thoroughly looking at the facts and the customer is left out of pocket. The assessor did not climb the roof at my place but declined a claim for my cupboards stating it was gradual degradation. But I have invoices from suppliers who state it was because of the heavy rain and wind that shifted the tiles and tore the membrane. They are excellent in collecting premiums but pathetic in customer service.