AXA Home Insurance Underpaid My Water Damage Claim
I have a home insurance (casco) policy with AXA Insurance for my house located in Ankara, Mamak. Five days ago, my home suffered water damage, which caused visible cracks and deterioration on the walls. I reported the damage to AXA Insurance, and a claim was opened under file number 11948803, after which an adjuster was sent to inspect my home.
After the inspection, the adjuster stated that the damage exceeded $2,300, yet I was informed that AXA would only pay $345 and that I should handle the repairs myself. However, I obtained repair estimates from contractors, and the lowest quote I received was $2,530 + VAT. In other words, the amount AXA Insurance is offering does not even come close to covering the minimum repair cost and does not reflect the actual damage to my home.
I am requesting that the damage to my home be reassessed in line with my policy coverage, and that the full cost of the damage, as proven by the estimates I obtained, be covered. I expect the payout to be updated so that the real repair cost of at least $2,530 + VAT is met, and that the financial harm caused by the insufficient $345 offer be eliminated.
Progress
I opened a claim file with Axa Insurance under my Axa Kasko policy for my balcony windows. Because the balcony windows shattered due to wind, I had them replaced and paid an invoice of approximately 20,000 TRY. The adjuster requested photos of the damage and the invoice, and I submitted all the requested documents to them.
After these steps, Axa sent me a message stating that my claim was approved and that the payment would be transferred to my IBAN. However, I saw that the amount deposited into my account was 9,000 TRY. Although the invoice for the window replacement was 20,000 TRY, only about half of that amount was paid, and I was given no explanation for the shortfall.
I request a re‑examination of my claim, full coverage of the 20,000 TRY invoice I paid for the balcony window replacement under the policy terms, and payment of the remaining amount owed to me.
Do you write like this to everyone? There's no one calling or writing. Brother, what's the purpose of your kasko—to leave people suffering? Or is it like giving a child pocket money and saying 'take the pocket money, get it done'—what does that even mean? The Exper gentleman we sent, his mouth smells from two meters away, that's a separate problem; I didn't want to deal with him. What is kasko? Isn't it a policy that you have to pay for or have done, whether you're right or wrong? Did I get it just for fun? The house is newly moved in, are the cracks because of that? I don't care, you have to get it done. It rained, my walls became a mess as you can see in the video; am I wrong to think I have to get kasko?
I will file a criminal complaint with the prosecutor's office. You are deceiving people, making a mess and leaving them victimized. The lady/gentleman selling police gives very nice promises, but the result is a terrible insurance.
Dear Sir/Madam, An investigation has been carried out regarding the complaint reflected through your website by Mr./Ms. Y. Based on the expert assessment, we inform you that compensation can be paid for the portion of the damage that falls within the specific and general terms of the policy. Sincerely, AXA INSURANCE INC. Customer Complaint Management
Let me tell you how much is being paid: 15,000 TL. This is a ridiculous situation, sir. The officials only give you 15 thousand TL, you can only paint a shoe in this era. I need the cost for demolishing two walls, plastering and painting. I will obtain the voice recordings of the girl who sold the policy and prove with what lies she sold it, and I will file a criminal complaint with the prosecutor. Don't try to cut me off. I don't want 15 thousand; send a professional to my house to repair it, give them the 15 thousand.
