by brilar » Wed Feb 15, 2012 12:12 am
As most-insurance put words in your contract without your knowledge of their language. Filed a claim 2011. Denied. The adjuster said the water damage to my daughter's window sill was caused by water getting into the fireplace. Not true. So, I got a letter stating that I must get the painting chip fix and the window pane repaired(double pane) and contact them once its done and they might consider keeping me insured. Never address the damage to the sheetrock and rot. Of course, doesn't cover the water seepage. I challenge the decision, so the head adjuster came out and said it wasn't coming from the fireplace but probable two places thru the back door where the wood frame has rotted and seeped down and hit the metal plate and got behind the bricks or because the deck was done improperly before I moved in-it could have gotten through the spaces of the deck floor and enter into the bricks. I asked them why would they insure me if they inspected the home before they gave me insurance. This happened over a period of time behind the wall. I was denied the same day the adjuster's boss sent me out a letter without really knowing the exact location last year. What can I do now?
Posted: Wed Mar 14, 2012 04:06 am Post Subject: seepage question
That is an exclusion in most if not all policies that I have seen and a very common reason that insurance companies use to deny claims. I assist many people where we believe this is not the case. Most of these exclusions will have a timetable included with it either 14 days or weeks, months or years. Where I feel that the insurance companies often times improperly deny these losses is when they use suspected Microbial growth or Mold as an indication of time. Most molds that we find in homes can grow within the first 24-48 hours after a water loss. On the flip side, the only time that I do agree with the insurance companies that it has been going on over a long period of time is when there is apparent 'Wood Rot' as this does take several months to become evident.
Keep in mind that insurance is for property damage that is sudden and incidental.
Unfortunately, in your case where you noticed rot it will be difficult for you to identify an event that caused the damage.
I hope this is of some help to you even though it may not be what you wanted to hear.
Posted: Sun May 20, 2012 06:58 am Post Subject: EtLdlREzMhzOZrbFZV
You're not going to be able to get ANY information on any claim epcext one which you file. Sorry.You'll have to read the newspapers. Insurance companies closely guard that as proprietary information, and much of it is subject to the privacy laws.
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