Policyholder Question: What’s Covered in a Pipe Leak Water Damage Claim?

by Charles R. Tutwiler on 1/19/2014

Q. I have filed a claim for water damage to my living room. The adjuster provided details of coverage prior to mitigation, for $1, 762.68 including my $1,000 deductible; for which I paid. The mitigation folks provided another estimate of an additional $6,000 to my insurance adjuster. This was their estimate once they opened up the wall where the water was causing damage. Two major findings, once they opened up the wall: 1) they discovered a pipe leak 2) two beams are termite infested! Neither are covered under my insurance (Nationwide)! The company that came in to do the recovery completed the cleaning, disinfecting, and drying out process. However, they informed me that they would not replace the wood beams that are damaged by termites. I paid for the restoration of the pipe out-of-pocket but cannot afford to pay anymore additional repairs. I explained this to them; to which they replied, "you can cash out and get another estimate." I told them that I needed to get further guidance. They said they would get back to me and left. I have not heard from them, and now I have one wall and part of the floor in my living room exposed. What are my options?
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Broken Water Pipes from the Big Freeze “Polar Vortex” What a National Mess!

by Charles R. Tutwiler on 1/14/2014

Broken Water Pipes from the Big Freeze “Polar Vortex” What a National Mess!

Yesterday, I was on a flight to sunny South Florida to meet with a client, and ran into a large loss adjuster who works for one of the major insurance carriers heading the same way. When you meet a fellow adjuster or colleagues who are in the business, usually the first question is to ask if you are busy. This seasoned adjuster side tells me the claims are rolling in from the areas that were affected in the big freeze caused by the “polar vortex” last week. It seems his company is so overwhelmed, that they have staffed call centers with independent adjusters just to handle the call volume.

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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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Charles R. Tutwiler & Associates Inc. is licensed in the states of Florida, Georgia, Kentucky, Louisiana, Minnesota, Mississippi, North Carolina, New Jersey, New York, Pennsylvania, Pittsburgh, Rhode Island, South Carolina, Tennessee, Texas, Virginia, West Virginia, and the U.S. Virgin Islands, with primary offices in Tampa, Orlando, Hollywood, Palm City, Florida; Dallas, Texas and Pittsburgh, Pennsylvania. Tutwiler handles both commercial and residential property insurance damage claims. Our primary clients include: homeowners, condominium & homeowner associations, apartment complexes, business & industrial concerns of all sizes, hotel, resort, hospital, municipal government, college and university disaster claims. Call Tutwiler for a free claims review at 800-321-4488, or simply request a quote using our quick claim quote form.

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