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本帖最后由 妮妮7220 于 2022-7-2 23:16 编辑
一次STORM后，我发现厨房天花板有黄色漏水痕迹，最大处尺寸50X20CM。打电话给RACV，他们派人来看了，结论是2楼的窗户漏水。
但是RACV说窗户不修，因为是installation defect，可以把厨房顶部有痕迹处重新粉刷。
What we don't cover
Loss, damage, injury or death arising from: rust, corrosion, gradual deterioration, depreciation, wear or tear
......
We don't cover loss, damage, injury or death arising from: faulty design or workmanship
我说这个房子建成有20年了，如果窗户是installation defect早就漏得一塌糊涂了。2年前我入住的时候，曾经请过验房师。当时他拿着仪器扫过所有天花板包括厨房，没有漏水痕迹。我估计是上次地震，窗户和墙壁之间有了裂缝，如果风雨很大可能会有点漏水。RACV派来的人也说从某个角度可能漏进去。（已经半年了，天花板上那块痕迹几乎没有扩大）
现在RACV愿意做：
Pls engage a suitably qualified trade to make the windows watertight, it is recommended flashing and sealant be installed.
We can provie a cash settlement for the insurable repairs, and you can complete the works through an independent trade. The full and final settlement for the accepted portion would be $811 (which is the cost of the insurable repairs less your applicable excess of $500)
Pls bear in mind acceping a cash settlement it will void the lifetime guarantee provided under your policy as the works will be completed by an independent contractor not authorised by RACV.
等于我自己找人把窗户漏水解决，RACV来做些刷漆这样可有可无的事。如果这样，房屋保险有什么用？我已经在RACV内部申诉了，结果还是这样。
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找了一个TRADIE来看过，他说只要去bunnings卖硅胶打上即可，不需要装flashing
我是否应该withdraw claim？让RACV来刷漆，除了把明年的保险费增加，没有其他作用
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