Claims Question
- Thread starter jmarkk1
- Start date
G
Guest
Guest
Most policies can provide coverage if there is a sudden and unforeseen leak.
However, most policies exclude coverage if the leak is a slow leak and is over an extended period of time.
An example of a sudden... Ice maker hose busts and ruins your wood flooring. That could be covered.
BIG RED IS BACK
Super Genius
- 174
Key phrase..........lack of maintance or normal wear and tear
JenkinsAgency
Expert
- 41
Negligence is a claim killer. Anything involving mold will almost certainly get denied. If it's an older home and things aren't up to code (i.e. old lead pipes, etc.) a claim will likely be denied due to normal wear and tear.
I can't speak for other companies, as I'm fairly new to the industry, but with Farmers, the adjusters are looking for coverage, not looking for an excuse to deny it.
I can't speak for other companies, as I'm fairly new to the industry, but with Farmers, the adjusters are looking for coverage, not looking for an excuse to deny it.
BIG RED IS BACK
Super Genius
- 174
Hi Farmers agent!
You are totally WRONG! Farmers looks under every nook and cranny and rock to find a reason to DENY DENY DENY
My guess is it will not be covered because it has probably been cracked and seeping for some time prior to discovery but I am not P&C agent. Who is your insurance company?
JenkinsAgency
Expert
- 41
Thank you for that reasoned and eloquent response. I'm going to assume you're either being sarcastic, or you're just off the meds today.
BIG RED IS BACK
Super Genius
- 174
Your post says you are fairly new to the industry, you will learn soon.......
How old is the pipe? What caused it to crack?
As has been mentioned, few policies will cover this if it was just normal wear. On the other hand, if the house was 5 yours old and this just happened one day, then, depending on the policy, it may be covered.
For the record, Farmers would probably treat this claim as most other companies would. Except I don't think they offer any sewage backup coverage, or very limited in some states. Not that this is sewage backup though.
Dan
As has been mentioned, few policies will cover this if it was just normal wear. On the other hand, if the house was 5 yours old and this just happened one day, then, depending on the policy, it may be covered.
For the record, Farmers would probably treat this claim as most other companies would. Except I don't think they offer any sewage backup coverage, or very limited in some states. Not that this is sewage backup though.
Dan
JenkinsAgency
Expert
- 41
Farmers offers excellent sewer/drain backup coverage in TX.
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If by learn you mean become grizzled, bitter, cynical and.....well, wrong like you, then no I won't be learning any time soon.
And EVERY client and vendor I've met in the last 3 months (roofers esp.) have had nothing but positive responses about Farmers claims response. We're rarely the absolute cheapest option, but our claims team is our bread and butter.
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