 When you need to file a residential or commercial property damage claim, the last thing on your mind is will my insurance company cover all the damage? After all, you pay your insurance premiums, you have coverage and it’s a covered loss. So why wouldn’t they cover the damage?
Our client sustained water damage to her property when her neighbor’s washing machine leaked. There was extensive damage to kitchen cabinets, baseboards, walls. In adjacent rooms, more walls, wallpaper and flooring was also damaged. There was plenty of damage to the lower portions of the wallpaper which was continuous throughout the living areas. During the inspection with the insurance adjuster, we showed her the damaged wallpaper and she said “we only pay for the wallpaper that’s damaged. Not the undamaged parts. There are no coverage restrictions in the policy, so how can they only pay for “what’s damaged” when the wallpaper is more than 15 years old and is no longer available? What about the upper portions of the wallpaper and the continuous wallpaper? After further discussion and explanation, she agreed that it all needed to be replaced. Now the question remains – will the insurance company stand by their adjuster’s report, or decide to restrict the coverage and change the adjuster’s estimate? When an insurance company does this, how can a policyholder feel they can trust their insurance company when they need them most? At Reliant Insurance Adjusters, our knowledge and experience matter. We never give up and work diligently to obtain everything our clients are entitled to receive for their damage. If you have a new, underpaid or denied insurance claim, we are here to help. Contact us today.
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