Denied: Insurance Company Says “It’s Wear and Tear”

A Binghampton woman is frustrated because of her insurance company’s refusal to pay for cleanup and repairs in her home that was the result of water damage. Allstate Insurance said in a letter to her that in their opinion, the damage was due to “wear and tear”.

The ceiling in her bedroom fell. Her furniture and clothes are ruined. The ceiling fan above the bed is hanging by the wiring. When her adjuster asked if she saw any water, she said no. Right away he told her no water, no claim.

The women said upon closer inspection, she could tell that the drywall was wet and the ceiling joists were wet. Earlier in the year she filed a different claim due to a leaking hot water heater that was located in the attic. She now thinks that the previous leak may have caused the bedroom ceiling to collapse. But her insurance company still denies the claim. She is probably in a long, uphill battle to get the claim reversed.

Water Mold Fire Restoration of Memphis, with years of experience helping homeowners with their insurance claims, that once an insurance company denies a claim it can be difficult to get them to change their mind. We always tell our homeowners to get all of the facts straight before contacting the insurance company.

Before notifying your insurance company give WMF Memphis a call at (901) 318-3352 and let our water damage experts inspect the problem. Then you will have a good idea of what caused the problem, the extent of the damage, and what costs may be associated with the cleanup and replacement.

Don’t believe what everyone says, “Knowledge is power.” We think it should be “Applied knowledge is power.” Knowledge is wonderful if you have, it can be a great benefit when you apply it. If you don’t know why something happened and have some idea of the repair costs, you will be at the insurance company’s mercy. Allow Water Mold Fire Restoration of Memphis perform a free, no-obligation inspection of the damage before contacting your insurance company. Then you can clearly state what the problem is and how it originated. You’ll be way better off.