RACQ insurance diary

Tag: mould infestation

  • RACQ HOME INSURANCE MOULD INCUBATION

    RACQ people dump and leave contaminated contents in car port for more than two years = still there as at February 2026

    Another image we aren’t sure when we took it.  Doesn’t matter though, because if anything as at February 2026 it’s worse.

    Early 2024, RACQ home insurance people claimed none of these items were insured and dumped them in our carport.  Yes we have complained many times and been ignored on as many occasions.  When they dumped these items RACQ people knew the items had been exposed to level 3 contaminated water.

    Pretty obviously we can’t access our house safely from this entry point and this has been the case for more than 2 years.

    More importantly though, all this debris has been identified as one source of moisture that ultimate contributed to our house becoming totally infested with mould.  We have had an expert mould report completed in September / October 2025 that said as much.

    On two occasions RACQ have brought in a skip bin, positioned it beside all this mess and still failed to clean this up.

    Here’s what our carport looked like immediately after tornado and overland flow events.  We feel pretty sure anyone would agree we were better served by a couple of natural disasters …

  • Our RACQ home and contents insurance policy

    Our RACQ home and contents insurance policy is probably different to most in that we lived on acreage (5 acres) and had two houses and large shed.  All of this was specified at the time.  RACQ were well aware what they were insuring was not a standard residential home and not a standard contents arrangement.  We went so far as to make them note our shed on the policy.  My mothers’ contents were noted separately.

    We always assumed our ‘acreage/multiple structures situation‘ was why we were paying approx. $5k per annum for our policy.  By nearly anyone’s measure that’s a lot of money.

    Honestly, we now think this is why we have had such a horrible time with RACQ.  It seems to us that at no stage have they ever really been able to cope with the ‘acreage / multiple structure situation‘.  We don’t believe they have shown an appropriate amount of respect for the condition of our acreage or our safe access or security, and that’s probably because it doesn’t even rate as a concern to them.  We guess they look at our file and think – residential property.  People who live on acreage know, that is not the case.  Acreage needs love and attention.

    We’ve had claims running with RACQ for more than two years as of 28 January 2026 and during that time we really believe they have failed to respect our property/grounds/acreage and allowed our homes and property to fall into a near derelict state.  Now covered in noxious weeds, spread by an RACQ contractor, new related issues are developing on the regular.

    After more than 2 years we are not able to live at our property, and our absence has certainly not helped many of our issues.

    We keep trying to tell RACQ what is going on and they keep ignoring us.  There have been so many issues and so many attempts by us to avoid the next damaging issue and so many times RACQ have just ignored us.  There have been so many AFCA complaints.  (God bless AFCA.)

    When we took out our RACQ home and contents insurance policy we did so on the phone with my mother.  She’s in her 70’s and doesn’t handle admin’ well.

    We found out when we went to make our first claim that RACQ had changed our policy only a matter of weeks after inception and in some way (we still don’t really understand what happened here) only advised our mother.  RACQ didn’t tell us that they had removed contents cover from our house.  We complained to RACQ and AFCA about this and ultimately, RACQ reinstated our contents cover.  This was a very stressful time for us but also meant (in our observation) that RACQ delayed works on our house.  About an inch of water was left on the ground floor, interior, of our Queenslander home for some weeks, whilst our complaint re contents insurance was dealt with.  In our opinion, this ultimately resulted in our first mould outbreak and our home being reduced to studs on the ground floor.

    At this date (28.01.26) we couldn’t tell you what happened to all our contents that were located on the ground floor.  Some was certainly thrown out without manifesting, some most likely stolen, and maybe some could be in storage.  We don’t know about the storage and we don’t know about the state of items that might be in storage.  RACQ have never adequately responded to our contents and storage concerns.  There have been so many emails and a huge AFCA submission – but still nothing acceptable.

    RACQ were / are responsible for all of our contents.  Their contractors assured us they could sort through all our possessions and manifest everything.  Throw out what could not be saved and restore what could be saved.  Anything that could be restored would then be moved to storage.

    That’s not what happened though.