Re: Encompass denied HO claim

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Posted by Agent on May 03, 2005 at 19:33:10:

In Reply to: Encompass denied HO claim posted by Scott Stutman on April 28, 2005 at 10:10:29:

Hire an independent adjuster. Basically get a second opinion. You can also complain to your department of insurance, THEN go discuss with an attorney.

Agent

: 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?

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Subject: Re: Re: Encompass denied HO claim

Comments:
: Hire an independent adjuster. Basically get a second opinion. You can also complain to your department of insurance, THEN go discuss with an attorney. : Agent : : 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?

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