This article is written to illustrate what bad faith insurance practices look like in the real world and to offer victims of such unfair practices some avenues for correction or remedy. We are certified water damage restoration experts not attorneys or public adjustors. As such, no part of this article will offer any type of advice or instruction so the reader should consider and hold all information herein as being presented for informational purposes only.
- A customer had a hot water heater break while on vacation which caused a lot of damage to the floor. The claim was denied because the insurance adjustor stated it water damage was not controlled in a reasonable amount of time despite the customer calling immediately upon discovery and taking all reasonably possible and layman known measures to stem further damage. The customer pursued the claim which promoted the adjustor to send the customer a form demanding an insane amount of information covering a period of several years which had little to do with the water damage incident and was nothing more than a thinly veiled attempt to trap the customer into making any possible error or omission to further deny the claim.
- A customer went through their adjustor preferred and recommended water damage restoration company to remediate damage caused by an appliance malfunction. The customer was not pleased with the performance or quality of the service and sought out an independent water damage restoration company to review the work of the adjustor preferred and recommended company only to find that the adjustor preferred water damage restoration company failed to dry many areas to professional water damage restoration industry specification. The customer presented the independent review to the insurance adjustor and found the claim was denied as the adjustor stated the second company's interference exacerbated the situation which caused further damage despite the second company coming in after the adjustor preferred and recommended company pulled out.
- A customer noticed the flooring looked unusual and was surprised to find it saturated when the customer stepped on it to see what was happening. A plumber found a hidden leak that the customer had no knowledge of until the flooring reacted as it did. The water damage required the customer rip up the affected flooring and drywall for repair. The insurance company denied the claim citing the policy required a sudden and accidental break for coverage which they verified was not the case by the amount of mold growing in the affected area.
It is unfortunate but cases such as these are more common than not as it is the insurance company's standard operating procedure to make every effort to deny the claim thereby frustrating the customer which ultimately negates or severally reduces the ultimate payout when the claim denial is appealed. This unscrupulous and predatory methodology is unfair and sadistic and should not be leveraged against an in-duress customer who has paid all bills honorably and on time and is simply looking to have their elected insurance company adhere to its contractually obligated commitment by restoring their asset to its preloss condition.
The insurance claim battle is purposely designed to be a long, daunting, and harrowing task but a task that a professional independent water damage restoration company ("PIWDRC") can assist with. Such a PIWDRC will have the industry longevity and experience necessary to help its customer successfully navigate the insurance minefield. Each of the cases presented herein, for example, were successfully remediated to professional water damage restoration industry standards and closed with such PIWDRC assistance.
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| This article is composed by and offered as a public service by Jimmy K. Jimmy K is the Independent Owner and Operator of Emergency Response Restoration (http://www.emergencyresponserestoration.com/), 2665 N Atlantic Avenue, Daytona Beach, FL 32118. Jimmy K is a true consumer advocate who is not afraid to battle the insurance company to ensure the proper restoration of the consumer's water damaged home office or asset. |
