Insurance only refunded me $700.00

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 22, 2014

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Insurance Question from Denver, CO

Asked on 07/22/2014

Insurance only refunded me $700.00 A pipe broke underneath my living room the whole bill came for 7,000 dollars, adjustor came, took photos of the damage,

Answer given on July 24, 2014

Water damage to your home is a complicated issue. If a pipe broke under or in your house, the damage to the home is covered. The pipe itself is not covered. That is considered a maintenance issue. The insurance will also cover the cost to get to the pipe, such as removing the floor, but again the pipe is not covered. If there was no structure damage to get to the pipe, then simply getting down to it would not be covered by the insurance policyIf there was damage under the house, but not to the structure itself then that would not be covered. After all of the repairs are done then the insurance company will determine what is covered. Then the deductible for the policy is applied and the remainder is all that you will receive.If you feel that a part of the damage was overlooked, talk to the adjuster. If that does not work, ask for a supervisor to have them review the policy and damages and see if there is an additional amount that you can collect.


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