Why does the insurance company deny my claim when two long strips of tile in my front entry buckle for no discernible reason?

The wood that was laid against the tile runs perpendicular to the tile and
therefore would expand outward rather than against the tile. Also the t-
mold was installed with plenty of room for expansion.

The adjuster cited two reasons–wear and tear over time the tile floor is
18 years old and poor workmanship which I explained above as not being
a factor.

Asked on May 8, 2018 under Insurance Law, Tennessee

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

Because the reason is not discernible, that's why: the insurer owes you compensation (must pay the claim) when it can be shown that the damage is due to a covered loss (some reason that the policy coveres). If the reason for the damage is unknown, they do not have to pay, since it has not been shown to be a covered loss.


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