How to Get Insurance to Pay for Water Damage

Most people think if they just file a claim for water damage with their insurance company that everything gets paid relatively quickly.
Guess again. It can be a nightmare dealing with insurance companies.
My name is Mike Keeler, a licensed public adjuster in Florida.
If you have any questions or need help with a claim, feel free to give me a call.
Phone: [phone]
Email: [e-mail]
Website: www.theclaimsquad.com

[@badmuthafuka4015]

Nearly every homeowner's insurance policy includes coverage for sudden and accidental loss, which is exactly what water damage from a running faucet is considered to be. It doesn't matter whether or not it was your own fault or that of a small child playing on his or her own.
Is this accurate?

[@theclaimsquadpublicadjusters]

If the faucet was left on accidentally they will likely not cover it . There has to be something that causes the water loss like a breakage, crack, when referencing loss from a plumbing, AC, or fire protective system. If the faucet was leaking because there was a crack somewhere then yes it will be covered. You will have to show what was repaired by a plumber. Policy will not cover your own neglect whether that was known or unknown neglect by you, a dog, friend or family member

[@busayoo8949]

Mike! I need your help. Been watching your videos these past couple of weeks. So my family left for about a week. When we can back the house was dripping with water everywhere this causing damage to the ceilings and walls. We got a restoration company to come and check what’s going on and the found that the first pipe of the ac unit stopped working and the water went into the emergency drain pan. But due to debris build up the drain pipe started to overflow and pour into the house. Our insurance is trying to deny the claim what do you think about this situation? Could I fight it or should I accept the denial?

[@theclaimsquadpublicadjusters]

I would still fight it
They prob going to argue lack of maintenance
Where are you located?

[@busayoo8949]

@@theclaimsquadpublicadjusters I’m located in Texas. How do I fight the lack of maintenance statement? The direct cause was due to the sudden stoppage of flow from the main line, but the damage occurred due to the blockage from the drain pan. I don’t know what evidence to support the sudden and accidentalness of the first pipe. And I’m having trouble finding how to argue there was no lack of maintenance. You suggestions would be very helpful.

[@theclaimsquadpublicadjusters]

@@busayoo8949 give me a call to discuss in greater depth
I have some questions

[@badmuthafuka4015]

Does insurance cover water damage due to a bath tub accidentally being left on in the upstairs bathroom?

[@badmuthafuka4015]

This just happened yesterday. I am filing a claim today

[@theclaimsquadpublicadjusters]

It does not cover negligence by the homeowner
A covered peril needs to occur for coverage:
Wind, Fire, Sudden leak from like a pipe break, hail, etc

[@dianamgarcia]

Mr Mike thanks so much for your videos and revomendation. Help me a lot😊

[@theclaimsquadpublicadjusters]

@@dianamgarcia you're welcome