Home Contents Insurance Claim Help at Ohra

Questioner

Dear lawyers, I previously submitted my issue. I have home contents insurance with Ohra. During my vacation in November/December, my entire house was ransacked and ransacked, with a significant number of items stolen, and the damage running into tens of thousands of euros. The main damage consisted of a stolen safe containing important documents and high-value jewelry. The expert measured the damage almost immediately after the incident and documented this in an appraisal report. The extent of the damage is entirely consistent with the actual damage. I demonstrated the stolen household goods using copies of invoices, bank statements, boxes, and receipts. The jewelry, worth tens of thousands of euros, was appraised by one of the few certified appraisers, and this appraisal report was therefore shared with the expert. In early February, Ohra indicated that they would settle the claim, covering only the household goods; the jewelry and cash are not covered because there was no "convincing proof" that I had them in my possession (which I find quite remarkable given the appraisal report I submitted). Ohra wrote to me that they would reconsider the claim only if I could provide convincing evidence, such as purchase receipts or proof of cash withdrawals. After extensive phone calls, this was ultimately the message I responded with, explaining that the original purchase receipts, including the safe, documents, and jewelry, had been stolen. I still had a copy of the receipt for half of the jewelry, and I had informed the case manager that it was written in Arabic script, given that the jewelry had been purchased in Africa. I was told it wasn't a problem; the invoice would be sent to an Arabist, who would determine whether the invoice was actually in my name. (I did, however, clearly indicate on the invoice that the weights listed were also in the appraisal report, so it was indeed the same jewelry.) After four weeks, Ohra decided to reject the claim; not because the jewelry wasn't the same as the one listed on the report or because my invoice was incorrect, because it was absolutely correct. But because I had presented a copy and not an original (I've already told them three times that it had been stolen along with the safe), and because I couldn't prove a bank withdrawal, even though I'd repeatedly stated that electronic payment transactions in the country in question weren't nearly as advanced as in Europe and that 90 percent of payments were still made in cash. In short: Ohra refuses to pay without providing a good excuse. When asked why they had the invoice translated, even though they now decide not to consider it as proof because it's a copy and not an original, I received no answer. My question is: who sees a good chance of success here and is willing to inform Ohra in writing on a No Cure No Pay basis in the first instance and point out the case law (a claim is only rejected if fraud is found, which is not the case here) and, if necessary, have the matter litigated.

Questioner

Dear questioner, You can contact me and I am willing to study the documents.

Questioner

Preliminary question. Besides the invoices, do you also have statements from, for example, your partner, mother, father, brother, sister, cousin, or friends that they have recently seen the stolen items at any time in your home or on your body or that of any co-insured person? If so, I would like to address this matter for you in a very charming manner.

Questioner

Dear questioner, You have home contents insurance with Ohra and are currently facing a final judgment on a claim. I want to warn you that the policy conditions only give policyholders six months to defend themselves against such final judgments. You must interrupt this short limitation period, which is now in effect; I am prepared to assist you in this by writing a letter based on legislation, regulations, and case law, including interruption.