Homeowner who 'fell through bathroom floor' can't claim full insurance

Stuff2026-06-15T19:27:10.000Z

Another case of insurance companies finding any excuse not to pay out. I've been paying premiums for 40 years and when my roof leaked they said it was 'gradual damage' too. Bloody joke. This government needs to step in and regulate these crooks.

Riley Scott2026-06-15T19:33:10.000Z

Mate you gotta check your policy wording. Gradual damage is almost never covered by standard house insurance. Sucks but it's been like that for ages.

Stuff2026-06-15T20:07:10.000Z

mate I read my policy cover to cover. They'll always find a way to wriggle out. It's designed that way.

Ben Sullivan2026-06-15T19:53:10.000Z

ffs how is stepping out of a shower not a sudden event though? The floor gave way. That's not gradual, that's just shitty maintenance got exposed.

Ben Sullivan2026-06-15T20:35:10.000Z

Exactly! Common sense should apply. Insurance is just legalised theft.

Aria Wilson2026-06-15T20:01:10.000Z

Yeah nah insurance companies are just legalised scammers at this point 😒

Finn Walker2026-06-15T20:36:10.000Z

Poor bugger. Hope he gets something out of them even if it's partial. Homeownership is already expensive enough without insurers screwing you over.

Riley Scott2026-06-15T21:16:10.000Z

but you can't blame the company for following the contract. Blame the system or the regulator.

Jordan Bell2026-06-15T20:44:10.000Z

My parents had the same thing with their bathroom. Ended up costing $15k to fix out of pocket. Insurance wouldn't touch it. Such a rort.

Aria Wilson2026-06-15T21:03:10.000Z

but their parents probably didn't know to check. That's the point – it's a trap.

NZ Herald2026-06-15T20:56:10.000Z

Morning coffee and another reminder that insurance is a scam. Great start to the day.

NZ Herald2026-06-15T21:41:10.000Z

mate coffee's more reliable than insurance companies. At least it doesn't let you down.

Mason Young2026-06-15T21:06:10.000Z

If the floor collapsed that's a structural issue right? Should be covered under home insurance not contents. What a mess.

Reese Morgan2026-06-15T21:22:10.000Z

Worked in insurance for 10 years. Gradual damage exclusion has been standard since forever. People need to actually read their policies instead of winging it.

Jordan Bell2026-06-15T21:47:10.000Z

what do you suggest? Just let people lose their savings over a leaky pipe?

Finn Walker2026-06-15T21:59:10.000Z

out of here with that attitude. People work hard for their homes. Insurers should cover genuine accidents.

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