Did your insurance company deny your claim for water damage?
A small leak in a pipe, supply line, or drain line can cause significant damage to property. A toilet overflow, drain backup, or plumbing line break can quickly flood an entire property. Water ruins cabinets, floors, walls and furniture. If the leak happened upstairs, water can damage everything below it. Homeowners are forced out of their houses because of water. Water damage shuts down businesses.
Fixing the damage can involve mold remediation experts, and accessing hidden sources of water through walls, floors, or even the foundation of the building. It can be impossible to replace damaged fixtures like cabinets with new fixtures that match, causing the cost of restoring a property to its pre-loss condition even more difficult. Even a pin-hole leak can result in very expensive and extensive repairs.
Time and again we see claims for water damage denied. Most often we see insurance companies deny these claims based on "seepage" or long-term water leak exclusions Sometimes these denials are backed up by an engineering report. We've seen "Water Damage Exclusions" in some insurance policies, which insurance companies try to use to deny claims. Even when an insurance company pays for water damage, it often will be a payment for as little as possible, based on low adjuster estimates and references to "mold limitations."
Water damage insurance claims are wrongfully denied every day.
You are not required to simply accept whatever the insurance company tells you about your policy or the value of your claim. And you shouldn't just accept the insurance company's decision and move on. Many claims are denied when they should be paid. Many more claims are only partially paid.
We see denial letters that we disagree with on a regular basis. We challenge wrongful denials, and we demand that insurance companies pay what is owed.
The policy language quoted in denial letters are only part of the whole story. Claim denials may ignore other relevant policy language or legal authority that says the claim should be paid. Adjusters leave damage out of estimates and use the lowest possible pricing in calculating what to pay.
If you aren't 100% satisfied with what how your insurance company is handling your water claim, call or e-mail us. If your insurance company wrongfully denied your claim or paid too little, Herman & Wells can help you recover the insurance policy benefits that you are owed. There is no cost to you unless we win. Our phone number is 727-821-3195.
Jason Herman heads our insurance practice and you can read about his experience handling insurance claims by clicking here.