Policyholder Question on Flooded Basement Insurance Claim

by Charles R. Tutwiler on 11/11/2013

Q. The city where we live experienced a ten inch water main break that flooded our basement with 4 ft. of water. We hired a public adjuster 10 days ago. Now they are backing out saying there are limitations to what they can do. Should we go with the city's insurance? Should we find out what limitations there are with our homeowners policy?


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Policyholder Question on Sewer Back-up Third Party Claim

by Charles R. Tutwiler on 10/16/2013
Here’s a question I was asked to answer on the United Policyholders website: 
Q. My home was contaminated by sewer on May 7 and again on May 22 this year by a prime contractor hired by a state municipality MSD Metropolitan sewer District here in Asheville North Carolina. From what I understand, this is a third-party claim. The insurance company has done absolutely nothing to help me. I have been dealing with this for the last four months with pretty much no progress until this past week. They sent their first offer on Friday which is not close to reality. Is this considered a third-party claim? I have a copy of the pollution liability policy and it does not say anything about how it will replace my contents, actual cash value or replacement cost, nor does it say anything about provisions for Additional Living Expenses. Is there a possibility that is in a different policy? I just had an environmental company do some sampling for mold and other airborne fungi to be sure this has not spread in other parts of the house because it's been so long with no cleanup and decontamination. I’d like to know if any of your professionals have experience dealing with third-party claims and sewer damage and mold contamination.
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"On Property" Insurance Claim Tips Blog

Tips and advice about how to properly file and protect your property damage insurance claim and get a fair settlement. We invite all readers to ask questions about their claim so our public adjusters can post answers for others to benefit. Insurance claim expert guest bloggers welcome to submit posts via our contact form.

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Tutwiler & Associates Public Adjusters, Inc.
Licensed Public Insurance Adjusters & Loss Consultants
Offices: Tampa, Orlando, Palm City, Florida; Dallas, TX; Pittsburgh, PA

Executive Office
4300 W. Cypress St.
Suite 780
Tampa, FL 33607
Phone: 813.287.8090
Toll Free: 800.321.4488

Licensed in Florida # W840088 &
Texas #1399706 plus 16 other states
and the Virgin Islands