Had a similar issue last year—insurer tried to label water damage as "gradual seepage," even though it clearly came from a burst pipe. Took photos, got a plumber's statement, and they backed down pretty quick. Always worth pushing back a bit...
- Good call on the plumber's statement—insurers usually back off when faced with professional evidence.
- Photos are key, but also document timelines clearly (when you noticed damage vs. when you reported it).
- I've seen insurers argue "lack of maintenance" even with burst pipes, so having maintenance records handy can help.
- Bottom line: push back firmly but calmly...they count on people giving up easily.
"Photos are key, but also document timelines clearly (when you noticed damage vs. when you reported it)."
Yeah, good point about timelines...had a similar issue last winter with roof leaks after heavy snow. Insurer tried the "maintenance neglect" angle, but luckily I had dated pics and receipts from previous repairs. Ever dealt with roof claims specifically?
Yeah, roof claims can be tricky...had a similar experience after a hailstorm.
—exactly what happened to me. Having clear before-and-after pics saved me too. Also learned it's helpful to keep notes on weather conditions around damage dates."Insurer tried the 'maintenance neglect' angle"
- Good tip on weather notes, hadn't thought of that before.
- Curious though, how detailed do these notes need to be? Like, just date and "heavy rain," or full-on weather reports?
- Also wondering if insurers ever push back on DIY pics...do they prefer professional inspections?
- Had a buddy whose insurer claimed his pics weren't "clear enough," whatever that means. Ended up having to get an inspector anyway.
- Feels like there's always some loophole or fine print you miss until it's too late, lol.
