We have the opportunity to see insurance claims every day. Each claim is unique due to every policyholder and circumstance being individual. There is not a simple solution to any situation that involves potentially or definitely making a claim with your insurance. We prioritize educating and explaining to every homeowner the state of their situation and all their potential steps forward. The questions and answers below were designed to hopefully give you direction on how to begin your road to recovery. At a minimum, you should know that your insurance company is a for-profit business that you are able to NEGOTIATE with. They have their own self-interest in mind, and understand how to move forward through every situation. It is up to you to stand your ground and dictate what your premium pays for.
What are the symptoms of a failed sewer system?
- Slow or no draining of sinks, tubs or toilets
- Back up of sinks, tubs and toilets
- Foul sewer smells
- Presence of roaches and bugs
- Disfigured / warped wood floor
- Wet tile or carpet
- Loose or broken floor tiles
- Lifted or moved floor tiles
- Discolored tile grout
How would I know if my sewer lines went bad? If true, what to do next?
If you never had your sewer lines inspected this may be the time. Look for a company that offers this service and check your local home inspector or plumber. With today’s technology they have the ability to see lines with a cord that is fitted with lights and a camera to actually see your lines. The inspector will inform you of the actual condition of your sewer lines and will point out any damage. Many times when your drains have a problem, an odor associated may become a recurring problem. It can also result in waste material to back up into the property or other forms of property damage occur. This may trigger an insurance policy to kick in depending on the terms of your policy and the way your claim is filed. Wear and tear is a common form of a denial an insurance company will use when things go wrong on something that has age. A public adjuster would be able to ensure that they are honest with their opinion. Contact us to get in touch with an insurance expert that can walk you through this journey.
What can my insurance cover during a sewer line failure?
Insurance policies have many exclusions, and your insurance company can find one that limits or denies your claim. Each policy is unique on what coverage is offered, and when coverage is extended. This influences the outcome of your claim, and is pivotal in determining the road of returning to the state you were in before the loss. This includes but is not limited to a new plumbing system, new walls with fresh paint, a new floor, and new furniture. Knowing a public adjuster is always the first step in making sure you recover what you're owed. Contact us to get in touch with an insurance expert that can walk you through this journey.
These last bits of information are something every property owner should be aware of, no matter the type of claim. The adjuster your insurance will send you has no training in construction or estimating. Relying on their opinion is the same as relying on your auto mechanic or barber on what it would cost to fix your damaged property. It’s also never the obligation of an insurance company to make sure that any repair restores the resale values of your property. Your insurance company's only obligation is to pay the claim. You should seek expert advice on how to have a successful insurance claim outcome.