Questions for lawyers Found 20

Our home was badly damaged by fire and the insurer says the cost to rebuild is higher than my sum insured, and that they will only pay up to that amount or reduce the claim proportionally. Was I supposed to have been told about this, and what are my rights?

I had to cancel a holiday because a family member became seriously ill, but the travel insurer refused to pay, saying the condition was pre-existing. We had paid a large amount for flights and accommodation. Is that decision reasonable?

I recently renovated my kitchen and started running a small online business from a spare room. I have not told my home insurer about either. Could that cause problems if I made a claim? I am not sure where to start or who I should be contacting about this.

I have a back condition and my income protection insurer says I am able to do some kind of work, so they stopped my benefit. My doctor says I am unfit for my normal job. How do insurers decide this? Nobody has given me a straight answer and I want to understand where I actually stand.

After we made a flooding claim on our house, the insurer told us it would not renew our policy, and other insurers are quoting very high premiums or declining altogether. Is that legal, and what can we do?

My tenant caused significant damage to the property, including holes in walls and ruined carpets, and left without paying. I have landlord insurance, but the insurer says only some of it is covered. How does this kind of cover work?

We made a claim more than six months ago and the insurer keeps asking for more documents and telling us that it is still being assessed. We are living in temporary accommodation and paying our own costs. What can we do about the delay?

My car was damaged while parked on the street, and the other driver drove off. My insurer is asking for an excess before it will repair the car. Since it was not my fault, why should I pay anything? I have never dealt with anything like this before and would like to understand my options clearly.

After a burglary at my business, the insurer’s investigator asked me to sit for a recorded interview and provide my bank statements. I feel like I am being treated as a suspect. Is this normal and what are my obligations?

I bought my business insurance through a broker who said I was fully covered. When I made a claim, the insurer said the risk was excluded. Who is responsible, the broker or the insurer, and can I claim against either?