Case 3: Massive Foundation Cracks

Violations

Case Description (EN)

The Claimant discovered massive cracks in the house's foundation — visible structural damage threatening the entire building's integrity. The case was reported to Gjensidige under the title insurance policy.

Gjensidige's Handling

Gjensidige sent an assessor from Sedgwick for inspection. The assessor's report acknowledged the damage but downplayed its severity. Gjensidige rejected coverage.

The critical issue: The cases concerning the same house were handled separately — even though they concern damage in the same 2×3 metre area. It does not appear from the reports that the connection between the cases was investigated or assessed.

Legal Escalation

The case is now a full court case. The Claimant has engaged lawyers and independent building experts, including geographical analysis, structural engineering calculations, and independent building assessor consultation.

All communication now goes through the Claimant's lawyers.

Update (9 September 2026): The Western High Court found that the objection was not raised too late and remitted the question of the court-appointed expert's removal to the District Court of Randers, which will decide on the written record. Gjensidige and the estate were ordered to pay costs (DKK 2,500). The decision is pending.

Key Issues

1. Cross-case fragmentation: Four connected cases in the same 2×3 metre area were handled separately
2. Delayed processing: Gjensidige's response times were unreasonably long
3. Connection not assessed: It does not appear from the reports that the connection between the cases was investigated

Outcome

Under court proceedings. Claimant has engaged lawyers and experts. Nothing paid.