So today I received an answer from the insurance company on my claim. They are trying to tell me that the villa was under insured and are deducting because of that. I asked about how the under insurance worked and was told in an E-Mail from the director of Nagico that as long as it was within 80% it would not be invoked. Now they are saying that the E-Mail that I received was an explanation only and not part of the policy. I think they induced me to buy the policy by the statements that they made and this is a fraud against me. They also said that if I wanted to have the 80% under insurance that I could have bought the policy with that in effect, however in the E-Mail back to me they did not mention any cost to purchase the 80% under insurance, so that again is a fraud as the broker failed to ask me whether I wanted the 80% or not.
I am VERY angry on the way I am being treated by this company.