Correspondence — Case 3: Massive foundation cracks
2024-08-16
PORTAL
Claimant → Gjensidige
Claimant reports massive foundation cracks in the basement as damage claim #3 on the property.
Analysis: Third case in two months. Gjensidige's assessor has already inspected the property but overlooked these damages.
2024-09-03
PORTAL
Gjensidige → Claimant
Gjensidige sends message in the Scalepoint portal regarding case 3.
Analysis: Portal message received — contents under assessment.
2024-09-11
PORTAL
Gjensidige → Claimant
Gjensidige rejects case 3, referring to construction defects rather than covered damage.
Analysis: The rejection ignores the independent moisture and building technical report from August 2024 that documents the damages.
2024-10-01
EMAIL
Claimant → Gjensidige
Claimant disputes the rejection with reference to independent expert report and demands reassessment.
Analysis: Claimant confronts Gjensidige with objective expert documentation.
2024-12-17
COURT
Randers District Court → Parties
Randers District Court receives request for isolated evidence gathering (expert survey) regarding the foundation damage.
Analysis: Court case BS-62647-2024-RAN begins. This is now the most serious of the six cases.
2025-05-15
COURT
Randers District Court → Parties
Combined expert survey questions approved by the court after parties' comments.
Analysis: The survey questions cover foundation cracks, moisture damage, and structural conditions.
2025-09-17
REPORT
Court-appointed expert → Randers District Court
The expert survey report is delivered. It documents foundation cracks and moisture damage as covered conditions.
Analysis: The expert report confirms claimant's assertion about damages. Decisive document in the case.
2026-03-01
COMPLAINT
Claimant → Insurance Appeals Board
Formal complaint filed with the Insurance Appeals Board with 29 appendices regarding case 3.
Analysis: The complaint compiles all documentation from the court case and confronts Gjensidige's systematic rejection.
2026-03-07
NOTIFICATION
Insurance Appeals Board → Claimant
The Appeals Board confirms receipt of complaint and assigns case number 105544. Complaint fee of 300 DKK paid.
Analysis: The case is now formally under consideration by the Appeals Board.
2026-03-10
NOTIFICATION
Insurance Appeals Board → Gjensidige
The Appeals Board sends first hearing to Gjensidige and requests the company's statement.
Analysis: Gjensidige must now address the complete documentation, including the expert survey report.
2026-03-16
COURT
Interlex Lawyers → Randers District Court
Appeal brief filed at Randers District Court after the Appeals Permission Board granted leave to appeal.
Analysis: The case continues in parallel in the court system and at the Appeals Board.