On September 16, 2014 STURBLE, P.A. filed lawsuits against insurers who improperly denied homeowners’ insurance claims for water damages. In one case, a home sustained substantial damage after a pipe located underneath the foundation broke. The homeowner contacted a plumber who had to create holes in the flooring to access the pipe to repair it. The insurance company denied the insurance claim after claiming that the loss was caused by wear and tear.
The insurance company’s denial of the claim was improper because the wear and tear exclusion does not apply to the water damage at issue. Additionally, the policy specifically provides coverage for the costs associated with accessing the pipe, which constitutes a majority of the claim.
STRUBLE, P.A. filed a Petition for Declaratory Relief asking the Court to determine whether the insurance claim is covered by the insurance policy. If we prevail, the insurance company will be required to pay our client’s insurance claim. Additionally, as with all insurance claims for property damages, the insurance company will be required to pay our attorney’s fees if we ultimately prevail in this lawsuit. If you believe your insurance company has wrongfully denied or devalued your water damage claim, please take a moment to complete our Contact Form, or call us directly at 954-703-2111 or 321-283-5888 for a free, confidential consultation.