Case 1: Electrical Damage and Hidden Rooms
Partially coveredViolations
Case Description (EN)
Upon taking ownership of the property, the Claimant discovered multiple electrical faults and hidden structural problems. While conducting an electrical inspection, the Claimant's electrician noticed signs that someone had previously accessed the ceiling above the staircase — the frame was improperly installed. Upon further investigation, they found a hidden room the previous owner had not disclosed.
In the hidden room, there were exposed pipes running from the hot water tank in the basement up to the attic, and a large open hole to the ceiling that had been left unsealed. Clear signs of water damage were present.
Gjensidige's Handling
Gjensidige sent an assessor who concluded the damages fell below the minimum threshold. 4,650 DKK was paid out of a 9,500 DKK claim.
The problem: The assessor did not physically inspect the attic. He simply recommended "closing the hole in the ceiling" — without investigating the extent of water damage behind it.
The Claimant personally climbed into the attic and dug through the insulation, finding holes in the roof at the solar panel entry points. This was documented in an independent building expert report.
Key Issues
- Inadequate inspection: The assessor did not physically examine the hidden room
- Threshold splitting: Gjensidige's standard phrasing "we have only considered the financial claim" — identical wording used in Case 2
- Handler rotation: Three different case handlers for one case
Outcome
The case was reopened on July 7, 2025 after the Claimant provided additional documentation. Partial payment of 4,650 DKK — but the full claim of 9,500 DKK remains uncovered.
Photo Evidence
52 images document the damage in this case.
