A salvaged chair hangs in a tree amidst nearby homes destroyed by Hurricane Matthew, in a seaside fishing neighborhood of Port Salut, Haiti, Sunday, Oct. 9, 2016. Nearly a week after the storm smashed into southwestern Haiti, some communities along the southern coast have yet to receive any assistance, leaving residents who have lost their homes and virtually all of their belongings struggling to find shelter and potable water .(AP Photo/Rebecca Blackwell)
A salvaged chair hangs in a tree amidst nearby homes destroyed by Hurricane Matthew, in a seaside fishing neighborhood of Port Salut, Haiti, Sunday, Oct. 9, 2016. Nearly a week after the storm smashed into southwestern Haiti, some communities along the southern coast have yet to receive any assistance, leaving residents who have lost their homes and virtually all of their belongings struggling to find shelter and potable water .(AP Photo/Rebecca Blackwell) Rebecca Blackwell

What if my insurer gives me grief?

CLAIMING your insurance cover after a natural disaster can go one of two ways. It can be a breeze, or like pulling teeth.

While it's most often the former, depending on your insurer, cover and the extent of the damage, sometimes it can become a tricky situation.

The Financial Ombudsman Service may help if you find you're struggling to get the right outcome with your insurer.

FOS is an independent, national organisation that resolves disputes between consumers and financial services providers free of charge.

There is a hotline, 1800 337 444, set up to provide information and help on insurance claims, financial hardship and other financial issues experienced as a result of natural disasters.

A case worker will keep you informed about the progress of your case at every stage, and will ask you to send them information to assess and progress your case.

The types of information includes:

Why you are dissatisfied with the insurer's decision

How you calculated the amount you are claiming

Copies of correspondence between you and the insurer

Photographs or video footage

Reports and statements

Eyewitness accounts.

For more information, head to www.fos.org.au or email FOSdisaster @fos.org.au.



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