If you live in a house built before 1975 and made no major plumbing renovations, chances are that you have cast iron pipes. Unfortunately, these pipes have reached their end of life. And one day you may find your home flooded. Since this is an extremely contentious issue for Florida insurance companies, you will need an experienced Florida public adjuster if you want to file a cast iron pipe claim successfully.
In this article, we will discuss this matter in detail. We believe that every homeowner has the right to be informed and to benefit from the insurance coverage they are paying for.
What Is the Current State of Cast Iron Pipe Claims in Florida?
According to consumer rights watchdog Consumer Notice, there are currently thousands of lawsuits filed by Florida homeowners against insurance companies that denied their cast iron pipe claims. This problem has been going on for years. Most Florida homes have this type of pipes. However, insurance companies want to put a stop to payments for water damages.
If you are looking to buy a new homeowners’ insurance policy, you will discover that some insurance companies are actually excluding cast iron pipes from the list of covered perils. But what happens if your current policy does not have this specific exclusion and you need to file a cast iron pipe claim?
A Florida Public Adjuster Can Help You Reduce the Risk of Getting a Denied Claim
Even if you believe that you are fully covered, you still need to let an experienced Florida public adjuster help you prepare and negotiate your claim. Insurance companies will resort to all types of tactics to get a cast iron pipe claim reduced or denied. These can include:
- Claiming that you had an old leak that you did not fix on time
- Blaming the leak on poor workmanship
- Claiming that your lack of maintenance led to the leak.
Even a Denied Claim Can Be Overturned
If you already filed a claim and it was denied, you mustn’t give up. A Florida public adjuster with experience most likely has a background working as an insurance adjuster. Thus, we know that an appealed cast iron pipe claim has all the chances of getting approved.
All you need to do is make sure that you have all the paperwork in order. In addition, you must not start making repairs before the public adjuster gets the chance to evaluate your damages. Contact us and let us handle any cast iron pipe claims you might have. We can help even if your insurer states that you have no right to receive payment.