That means that they expect you to identify the problem and take action, sooner rather than later. Insurance companies feel that it is the homeowner’s duty to stay on top of maintenance and plumbing issues in their homes. If your provider is denying your water damage claim, it’s important to ask your insurance adjuster questions about exactly why and under which conditions of your policy they are doing so.Ĭould leaks and seepage ever be considered ‘sudden and unforeseeable’? Essentially, what that means is that if the accident that led to the water damage is not ‘sudden and accidental’ like a burst from pressurized fresh water pipes, then it can’t be considered a covered loss.Ĭlaiming that the water damage your property incurred wasn’t sudden and accidental is one of the most common reasons that water damage claims are denied. Why do insurance companies deny water damage claims?Įvery case is a bit different, but oftentimes, I see insurance companies denying claims based on a provision in the homeowner’s insurance policy that specifically excludes damage caused by repeated seepage and leakage. We sat down with our founder, Avner Gat, to answer some common questions about the topic: Though most of us have no choice but to accept the terms presented by our providers, we often don’t fully understand how all of the intricacies of these contracts can complicate the compensation process. Insurance policies are complex legal documents full of contingencies and fine print that are designed to protect the interests of the insurance company. In our experience, families find it difficult to understand how their provider makes coverage determinations, particularly in regards to insurance claims for water damage. When your water claim is denied, you may be wondering if and how it is possible to get your insurance company to pay for water damage.Īt Avner Gat Inc., our team of public adjusters has worked on hundreds of homeowners insurance claims and helped our clients to negotiate with their providers for fair payouts. Unfortunately, not all water damage incidents are covered by homeowner’s insurance policies and insurance companies often cite the fine print as justification for denying your claim. After faithfully paying your insurance premiums every month for years, you expect that your provider will hold up their side of the arrangement and help pay for repair costs. When you’re suddenly struck by water damage in your home or business, it can feel like everything is working against you. Why Your Insurance Company Won’t Pay for Your Water Damage
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