Case Studies

The following case summaries highlight common issues and consumer tips. Cases can be filtered by subject below and names have been changed to protect confidentiality. Access to the full case study database is available for IFSO Scheme Participants in the Participant Area.

Showing all gradual damage case studies

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Pre-existing damage?

Mr S made a claim for water damage to his house, which occurred when his washing machine overflowed ...
flood washing machine gradual damage sudden damage

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Gradual damage?

A couple were dismayed when their insurer declined their claim on the basis that the damage was gradual and not covered by the policy’s gradual damage extension.

Mr and Mrs Forest* discovered their dryer had been leaking, causing damage to the surrounding walls ...
gradual damage gradual damage extension House and Contents Insurance

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The leaky ranch slider and the sudden hole

Check policy exclusions. Insurance covers sudden and accidental, not gradual, damage

Paula discovered a hole in the floor of her rental property. The cause was leaking ranch slider over many months.
House and Contents Insurance gradual damage gradual damage extension

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