Case 1: Legal Aid Refused

Violations

Case Description (EN)

The Claimant has an ongoing court case against the previous property owner (Case 3 — foundation cracks). As part of this lawsuit, the Claimant applied for legal aid coverage from their home insurance with Tryg.

Tryg's Handling

Tryg refused to cover legal aid for the court case. The refusal is remarkable because:

1. Legal aid is a standard coverage in Danish home insurance policies
2. The case has obvious legal relevance — it concerns undisclosed massive structural defects in a property sale
3. Tryg's refusal forces the Claimant to self-fund the lawsuit — a significant financial burden

Key Issues

1. Legal aid denied without adequate justification: Tryg refused coverage for a case with clear legal relevance
2. Circular reasoning: The rejection appears based on circular logic making coverage practically impossible to obtain

Outcome

Complaint filed with the Danish Insurance Complaints Board regarding Tryg's refusal of legal aid coverage.

Photo Evidence

29 images document the damage in this case.

Doorway with visible damage — documentation for the Tryg case

Room with visible damage at doorway — appendix to the Tryg case

Large room with floor covering and door — damage overview

Outdoor terrain at the property — visible settlement damage in foundation area

Construction condition exposed in the ceiling

Floor condition documented in the inspection area (bilag 2.10)

Construction debris and removed material from damaged structure

Inspection of the inspection area (bilag 2.13)

Electrical installation in the inspection area — condition documented

Floor with visible damage in the wall (bilag 2.16)

Damaged electrical installation in the inspection area

Hole and damage in the wall

Exposed construction in the inspection area

Floor condition in the floor

Piping and installations in the wall

Removed building material in the inspection area

Room with documented damage in the inspection area

Label or report from inspection

Written documentation from inspection

Wall surface with damage in the wall (bilag 4.3)

Hole in the wall (bilag 4.7)

Inspection report — close-up

Condition documentation — the inspection area (bilag 5.2)

Wall with visible damage in the wall (bilag 6.1)

Insulation visible in the inspection area

Ceiling with visible damage in the wall

Moisture measurement with digital moisture meter

Visible hole in the ceiling — documentation

Wall condition in the wall (bilag 6.8)