Faulty or non-faulty goods returned at your own cost will not be reimbursed.
TOWER HILL INSURANCE CANCELLATION FULL
If you discover the fault within the first six months from purchase, and, an attempt at repair or replacement has failed, you have the right to reject the goods for a full refund or price reduction - if you wish to keep the product.Īfter the first six months, you may be required to obtain a professional report from a qualified engineer to prove that your product has failed due to a manufacturing defect and not general wear and tear, accidental damage or negligence.įor faulty goods coming back to us, we will provide you with a free returns label. Instead, we will offer to repair or replace any faulty goods. If your product develops a fault after 30 days, you are not entitled to a full refund. Should your product develop a fault within the first 30 days, we can offer a refund, repair or replacement. To obtain a full refund, the goods must be returned to as new, unused and in the original packaging. Your rights are limited to 30 days from the date of purchase to return goods unwanted for a full refund. Simply email your request to us with the following information: This guarantee is valid in the UK and Eire Only.ĪPPLICABLE TO PURCHASES MADE FROM OUR WEBSITE ONLY
Tower Housewares has limited liability for incidental or consequential loss or damage. It does not cover wear and tear, damage, misuse or consumable parts. The product must not be used for commercial or professional purposes. It must be used only for domestic purposes. The product must be installed and used in accordance with the instructions contained in this instruction guide. The product must be returned to the retailer with proof of purchase within the first 12 months. If it exceeds the guarantee period, we will be unable to exercise the returns procedure. If you purchased the product directly from us, we will check the date when the item was purchased using the order number you provide to us. If any defect arises due to faulty materials or workmanship, the faulty products must be returned to the original place of purchase within the first 12 months. The length of the guarantee period is indicated in the product instruction manual, under the guarantee section, and is valid from the original date of purchase. Tower Housewares provides a one to ten-year guarantee depending upon the type of product. We understand that this is an inconvenience, and can be upsetting, so we have a no quibble returns, refund or replacement policy to ensure that our customers are properly serviced. In 2019, the state Legislature passed reforms designed to discourage rate increases by limiting a practice called “assignment of benefits,” in which a homeowner could sign their rights to repair claims over to repair contractors, who had an inherent interest in boosting the tab.At Tower Housewares we ship thousands of items per week and a very small amount will from time to time be faulty. Property insurance rates have risen continually over the past few years. False claims, such as a roof leak discovered before the two-year deadline on hurricane damage claims has passed inflated public adjuster charges and attorneys’ fees cost the companies far more than their budgets allowed. The culprit for the companies’ losses is fraud, said Suarez-Resnick. Gulfstream, which operates throughout the state except for Miami-Dade, Broward, Palm Beach and Monroe counties, is nixing 20,311 out of its 56,000 Florida policies, citing the threat of a deteriorating financial condition that would reach “an unsustainable level by mid-2021.” Southern Fidelity, which insures homes north of Orlando, is not renewing 19,600 homeowner policies over the next 14 months in order to avoid a “hazardous financial condition,” according to its filing. The company also insures homes in 12 other states.Īll three Florida insurers cite the same reason for the cancellations. In its filing to the Florida Office of Insurance Regulation dated May 6, Universal states it is canceling 13,294 policies out of its total 57,000 Florida policies due to yearly losses of $4.1 million in 2019 and $22.5 million in 2020. The other two carriers shedding customers before stormy weather arrives are Southern Fidelity Insurance Company and Gulfstream Property and Casualty Insurance Company, neither of which insures homes in South Florida. Universal is one of three Florida-based insurance companies that are canceling or not renewing more than 53,000 property policies as of June, just before the 2021 hurricane season begins. If your property insurer happens to be Universal Insurance Company of North America, check your mailbox: You may have a cancellation letter waiting there for you.
Three more Florida-based insurance companies are canceling thousands of policies around the state due to hurricane-related claims.
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