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

Get Legal Help Today

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 5 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.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

secured lock Secured with SHA-256 Encryption