Anyone wrongly been accused of Insurance fraud?

[Caribbeanyesplease]

Submitted a home insurance claim as daughter scribbled on walls.

To cut a long story short, the insurer is bombarding me with questions and has point blank said that has concerns about the truth of what I’m saying.

I’m at a loss. I’m a very busy single mum. I’ve been rushing my responses back to them and have made some errors but fact remains the claim is completely truthful and valid but I have very strong feeling that it may get serious.

Anyone been in this boat? Sensing an insurer thinks you are committing fraud? How was it resolved?

Thanks

Insurance claim for scribbling on walls?! Just repaint surely?

Permanent marker
The claim was accepted. Then went back re scribbling on woodwork that hasn’t been picked up initially. And that’s when it started.

I'm not sure I'd claim for that.... A tin of primer and a new layer of paint would be a lot cheaper, quicker and less stressful. Can you back out of a claim?

25 years ago I lost a pair of diamond earrings that were separately insured, a gift from my parents on my wedding day.

I'd stupidly left them on my dressing table. No burglary.

I also had a 3 person cleaning company doing regular work in my house who resigned the week after. I couldn't prove anything but likely it was them.

The insurance company didn't believe me and came down and inspected the whole house's locks. One window lock was slightly deficient but they did pay out the sum insured in the end.

Why on earth would you claim for marker on a wall? Prime and paint. You're going to end up with higher premiums because you didn't want to pay for paint?

How much are you hoping to get from the claim? The price of a tin of stain block and a tin of paint? Your premiums will go up more than that.

I wouldn't claim for scribbling on walls! Just repaint like everyone else with kids does. Unless you don't have an excess this is insane!

I think simply sticking to your story is all you can do.

But I agree with others that I probably wouldn’t have claimed for it.

Insurance underwriter here... it’s very difficult to prove insurance fraud (the amount of claims that get paid when you know full well they’re dodgy but you can’t prove anything....) and prosecutions are only cast iron, high value claims in the main, so if that’s worrying you then I seriously doubt it’ll get taken any further.
If you back out the claim now, can imagine it’ll just get closed no further investigation. It’ll still be recorded as an incident though so will need to be declared in the future etc etc
Never in 13 years have I seen anyone claim for scribbling on walls though. Guess they’re classing it as AD on the buildings? Tenuous, surprised they’re even considering it. Bet you caused some discussion in the office!

Are you really claiming for wall scribbles??? Is a can of paint more expensive than your claims going up?

Premiums not claims

Are your walls covered in gold leaf?

Husband is a fraud investigator for household claims, his view is....that unfortunately claims like this are often submitted with fraudulent intent, spilt paint, drawing on walls, furniture etc, which of course does not mean all (or yours) are, however, it's really important that you are accurate with the information you give your insurer otherwise they will continue to ask questions based on the inconsistency of your response. If your claim is genuine you should have no issue in responding accurately to those questions. You can't expect someone to believe you if your story changes in any walk of life!! If your claim is genuine and your mistakes in representing your claim are also genuine then follow their complaints procedure, then ombudsmen if not happy with the outcome, and just be straight with them, however, he has seen very low value claims be progressed through the fraud route so if there is any element of fraud (including exaggeration of the claim), suggestion would be to withdraw the claim now. Accidental Damage to buildings normally excludes deliberate acts, however this policy may not, or they may be taking the view that as it's a minor that committed the act there was no 'intent' to cause damage. You need to consider also if it's financially viable to claim, excess and impact on no claims.