Insurance Isn't Covering It

Dan has a $3,000 repair in his home due to a serious leak in his kitchen. His insurance policy won't cover the damage. Is there anything he can do to get this damage covered?

QUESTION: Dan in Chicago has a $3,000 repair in his home in addition to needing to replace hardwood floors and cabinets due to a serious leak in his kitchen. His insurance policy won't cover the damage. Is there anything he can do to get this damage covered? Dave doesn't think he's going to have much recourse.

ANSWER: The policy doesn't say “had you known about it.” It says seepage and continuous leaks aren't covered. What you've got to remember is this: A policy is a contract. Your insurance company has contracted with you to cover you for certain things and to not cover you for certain things.

Your agent is going along with what the contract says, it sounds like. Most of the time, an agent is going to take his customer's side because he pretty much knows he's going to lose you as a customer over this. Most of the time, you're going to leave. Even if you're wrong, you're going to leave just because you're ticked about it.

You could call your state's insurance commission and see if they have advisors or caseworkers who would look at your case for you and advise you to see if you have anything as far as a case. It's logical to me that you don't, but I'm not an insurance attorney. You may want to call them, not to create a stink, but to get clarification and learn and make sure that what they're saying is correct. We don't want to just accept their word.

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