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 same assessor (from Sedgwick) was used for Case 3, Case 4, Case 5, and Case 6 — all concerning the same house and all physically connected in the same 2×3 meter area. Gjensidige insisted on treating them as separate, independent cases, even though the assessor was instructed NOT to investigate cross-case connections.

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.

Key Issues

1. Cross-case fragmentation: Gjensidige deliberately splits physically connected damages into separate cases to handle them in isolation
2. Assessor conflict of interest: Same assessor across 4 connected cases — instructed NOT to see them in context
3. Delayed processing: Gjensidige's response times were unreasonably long
4. Physical connection ignored: All 4 cases (Cases 3-6) concern damage in the same 2×3 meter area

Outcome

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