Purchase flat on year of 2006 and taken ICICI Lombard home insurance on 2007, suddenly crack has appeared on wall so raised complain no. 60210207 on dtd. 06/02/10 finally day before yesterday received repudiated letter when I have talk with local icicilombard office they told me crack happened due to manufacture defects so, your claim repudiated, in my line of thinking if it was due to manufacturing defect then how does it takes four years to appear crack. Now they are cheating to customer, requesting please take this issue to settle my claim.