One of the crucial misunderstandings in this area is the extent of the cover. Normally, policies make it quite clear that inevitable wear and tear, which ultimately will result in repair work, is not part of the household building cover. There is little that insurers can do in educating the public to this fact other than by making explicit in the insurance proposal form and introductory documentation and policy wording. In particular, insurers should be certain that their advertising does not mislead prospective policyholders.
A particular source รับสร้างบ้านโคราช of confusion for policy holders is the difference between standard cover and ‘all risks’ cover. The policy tends to list what is not covered under the latter. The public tend to think that everything is covered unless specifically excluded. What is needed is a more explicit policy document. Many companies have, in recent years, attempted to spell out more clearly the cover offered in their accompanying literature. One might be allowed the pessimistic view that policyholders only read the insurance documentation when a claim arises. At that date, it is too late to discover that the policy is more limited than originally presumed.
Insured’s should be wary of accepting advice on insurance claims from those who stand to benefit from such advice. The example given by the Ombudsman concerns builders. They may give the impression that more extensive repairs are covered by the policy than is in fact the case. When the insurers point out that such repairs are not covered by the policy, the insured will be left to pay the bill. The answer is not to instruct builders until authorisation has been given by the insurer.
The policyholder should also remember that when he has presented an estimate to his insurer which has been accepted, he is not at liberty to give the work to another builder who will undertake the repair work for a lesser sum. The insurer could authorise the change of builder, but, if this is done, then the insurer would be liable for the lesser sum. There is nothing to stop an insured from carrying out his own repairs, if competent to do so, and then charging the insurer a fair rate for the job. If the work is incompetently done, he would however, have no further recourse to his insurer for further repairs.