AAMI refuses to payout family who lost everything in house fire because they sold eggs at their gate


The unbelievable reason insurance company refuses to pay out family of five who lost everything in a house fire

  • Family denied house fire insurance payout because they sold farmgate eggs
  • AAMI said it was a ‘business’ they were not informed of and that voided policy
  • The family fear they may lose the farm and are taking the insurer to court

A desperate family is taking an insurer to court after being denied a payout over the house fire that took nearly all their worldly possessions because they sold farmgate eggs.

Justin Uebergang and Verity Metcalf have been forced to live in a small unit on their farm in southwest Victoria with their three young daughters since their home and most of their possessions were consumed by fire nine months ago.  

Having fully paid up their home and contents insurance dues with AAMI for five years, they were shocked to receive a letter that told them their policy was void because they hadn’t divulged selling eggs from the end of their driveway.   

Verity Metcalf and Justin Uebergang saw their house burn down with all their most precious possessions inside but have been denied an insurance payout because they did not disclose selling eggs at their farmgate

Verity Metcalf and Justin Uebergang saw their house burn down with all their most precious possessions inside but have been denied an insurance payout because they did not disclose selling eggs at their farmgate

‘They’ve come back to us and said: you’ve incorrectly answered that, you should have said you operate a business from home,’ Mr Uebergang told the ABC

In a statement to the ABC, AAMI said there was a standard set of questions people must answer when buying home insurance online. 

‘One question is whether a business is operated at the insured address, and if there is and you fail to disclose then it will void your policy,’ a spokesman said. 

AAMI has refused to budge meaning the family will be taking their case to court

AAMI has refused to budge meaning the family will be taking their case to court

The family’s chickens are kept in a shed some distance from the house and the family said for that reason they hadn’t counted it is as a business run from the house.

The eggs were sold from a shed at the gate with an honesty box for payment. 

Ms Uluca likened selling the eggs to putting up a ‘lemonade stand for your children outside the house’.

She made a desperate appeal to AAMI, which is part of the Suncorp group of insurers. 

‘Why are you doing this to us?,’ Ms Uluca asked.

‘How can you possibly put us through this just so your bottom line looks better?’

At the time of the fire, the family were living in the two-bedroom unit while the house was being renovated.

The blaze was blamed on an electrical fault with the family saying they have had to use all their savings to replace the items lost and are now living on borrowed money.

They fear they may have to sell the farm. 

Under insurance regulations consumers are required to take ‘reasonable care’ to not misrepresent their situation.          

The couple, who are expecting their fourth child in September. say they are living on borrowed money having spent their savings replacing what was lost in the fire and may be forced to sell the farm unless they can win their court case.

Daily Mail Australia contacted AAMI for comment. 

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