1.On 22nd July 2013, water from the roof damaged my shop and I have lost lot of stuff and 2 months shop was closed. Outsurance sent the assessor who came and concluded that my landlord is responsible for that and must pay for it. But the insurance left me alone till today I never received what expected from my landlord or from the work man that was sent by landlord. I had to get a private lawyer but unable to continue due to the fees to be paid for suing my landlord. Isn't insurance responsibility to pay me and claim money from my landlord insurance? I don't know so well, please help.
2.1 Nov 2013, brake in and I lost lot my stock which few weeks back, I phoned and notified Outsurance. Once, with all the reliable proofs, Outsurance said 'you didn't insure you stock from ' and never paid my stock till today. Was a surprise, everything we do telephonic and when I am telling the insurance that I have this in the shop, why don't they ask or remind client the purpose of insuring his/her items? Beside that from 1 nov to date, still have broken stuff in the shop, just receive promises to be fixed. All these 2 incidents had badly affected my business. Pls help, want understand.
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