Claim Rejected Unfairly
South Africa has been experiencing extremely heavy rains due to a weather anomaly known as  la nina . On sunday last week we noticed pieces of wood falling on to my car. 
The trusses in my garage were completely rotten and we had leaks. 

We called outsurance and they sent an assessor some few days later. 
The Assessor came out today and said this leak has been happening over many years and the cause is poor maintenance  over many years.  I dont think this assessor is correct or is even qualified for the assessment . The assessor says they will entertain claims that are caused by a sudden and unforeseen event but not for something that has been happening over a number of years and is due to poor maintenance.  While this is fair , I am objecting that the problem occured over many years but rather occured due to the recent and heavy rains which was caused by the weather phenomenon known as la nina.

I invite Outsurance to explain why we never had leaks before and now suddenly my roof is in a state of collapse. I am maintaining my property constantly. If there is a leak we fix it. I dont hesitate. 

If there is no leak there is nothing to fix. However outsurance says i have to waterproof my entire roof or it is seen as poor maintenance . Is anyone out there waterproofing their entire roofs despite not having any leaks ? I dont think so . We water proof when a leak occurs. 

I honestly dont even think the assessor has any formal tertiary qualifications. I also dont even think the assessor has relevant industry experience. I am of the suspicion that the assessor recieves a bonus from outsurance to reject claims. The assessor also made a ridiculous claim that the ****s growing in my gutter has been growing there for years. Obviously he doesnt own a garden and doesnt know that ****s only need a few days to grow meters in length and especially when its raining continuously. I feel cheated.

I am inviting outsurance to prove the assessors qualifications. 
I am inviting outsurance to prove beyond a reasonable doubt that despite not having leaks in the past, this was caused over a period of years and not over the last 2 months of continuous rainfall . 

I am in a position to lodge a formal complaint at the ombudsman . 
I suspect they are rejecting claims unfairly due to a high number of claims being made against them. 

While we are here complaining . I recieved a better quote from another insurance company on my Porsche , I called outsurance to match the premiums , they did not match the premiums and they refused to pay me R400 . What else is outsurance lying about ? 

We paying very expensive premiums now and we also recieved massive annual increases well over 20% i believe and still we get poor service and unreasonable rejection on what i believe is a legitimate claim that they should be easily covering under our policy. I feel robbed.