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Downspout from roof gutter sustained hidden damaged due to winter freeze up.
Springtime rains where not properly directed to storm water piping due to damage and water infiltrated the finished basement causing $4-5K damage.
Encompass Ins states that winter freeze damage and subsequent basement water damage are two separate events and coverage for basement damages (2nd event) are denied.
Coverage for first event is accepted for repair costs to downspout (about $8) which are below deductible.
Encompass statee there is no appeal to their decision.
What can I do to pressure them to reconsider?