How to Get Insurance to Pay for Water Damage: 7 Steps Suggested by Public Adjuster 

Thank you for the kind words

They hire a “neutral” person that is usually in bed with them. The best thing to do is to get your own inspector to fight their denial.

Yeah my insurance company fucked me last year them clowns didn’t wants to pay especially when I had a home inspection when I was buying this place and then I show up a couple weeks later with water damage they said it was dude to long term smh clowns

When I was younger, I used to think adults just thought "I'm in insurance" was a boring reply when asking about careers... At 40, filing my first claim, I fully understand the disdain. 😒

Yes, I had sudden water damage early last year. It decimated my house, 1.5 years later my house has been declared uninhabitable thanks to my insurance doing nothing so far. My insurance tried denying and delaying for the first 5 months. Then it was approved by the 4th adjuster. They ignored all estimates from contractors for a full year thus far. So now rot has begun forming where the abrupt water damage has been sitting on the floors and subfloors. They are now trying to use their own negligence against me. They went from delaying and denying; to defending and delaying post approval. They only gave an estimate for under the deductible initially when it was first approved. No public adjusters where I am, and they don't take 1.5 year old claims that are still open. I'm on adjuster #9 right now, and my 4th contractor, as the first 3 were ignored by insurance. Despite issuing warnings that the water damage would lead to rot on the floors and subfloors if they didn't rectify it expediently. I haven't been able to live in my own house for 1.5 years. This is so messed up it should be illegal... Most attorney's charge too much to get help or only want easy profit cases. The damage was catastrophic over $25,000.

Thanks for the feedback. Glad it helped

Make sure you communicate via email rather than by phone so that there is a paper trail

just a reason to see if you will fight them or not common tactic

Thanks Alex. Hope you doing well.

👍

Where do you live?

I would have to know more but yes in most cases you can try to supplement facts and damages to have them reevaluate everything

@@theclaimsquadpublicadjusters I am in Los Angeles County. The leak is from an upstairs sink drain, and it runs down the wall behind the stove and kitchen cabinets. There is a small bit of mold build up.

@@TrustEdGarage can you email me info on how leak happened. Will be easier to respond. theclaimsquad@gmail.com

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@@donaldahern9930 what did you tell them initially?

More than likely they would hold you at fault and negligent for this situation unless you can show there was something wrong with the tub faucet and had it repaired.

I get where the Insurance wouldn't want to pay but if they don't pay the work won't get done as I said before I don't have enough cash to pay all the damages. Most people wouldn't have such a large amount of cash. I've heard that when you sue someone you can't collect more money than they have so I don't see the point in them suing me. I am wondering how this will be paid for.

How would a storage container cause water damage or any other loss??

Are you saying the weight of the storage container? If so, it would be questionable if covered based on your policy. If you have a policy that doesn't specifically excludes a storage container for the loss then there could be a possibility you are covered. If the loss has to be from a covered peril, well, storage container weight isn't a covered peril.

@The Claim Squad Public Adjusters No, we rented a shipping container to store our furniture and household items when we sold our home. We have used shipping containers before without any problem. But the container with our furniture either has roof leaking or is experiencing what is referred to as "container rain". It's something to do with the difference in humidity inside the container and the outside humidity. This is the only container that we've had this happen. We specifically told our insurance company that we were planning to use a shipping container for this when we purchased our policy.

@@jeffcourtney8101 hmmm never heard of container rain...I would check your policy for perils insured against. Did you have a policy in effect still? It will be interesting about selling home and storage of property. I'm going to lean that it's probably not covered. If your property was in a storage it wouldn't be covered more than likely unless there was a roof leak, water leak, fire, vandalism...in that storage unit. Where were you living?

@The Claim Squad Public Adjusters Yes, the policy is still active. What does selling our home have to do with it? This is a renters insurance policy, not homeowners insurance. I will pull the policy to read about the perils covered.