[Home][SK]Home insurance denied for flooding due to rapid snowmelt
Hey everyone, first time poster here hoping to get some advice. I just got the devastating news that my home insurance claim for flooding in my basement due to rapid melt was denied. I had my restoration guys and the insurance adjuster’s guys come out and both agreed that the flooding was due to rapid snow melt earlier in April. The problem is that the adjuster saw a tiny amount of mold in the floorboards and claimed that there is wood rot and therefore there this was not covered. I had a look at the pictures that they sent and the wood was just extremely wet due to the carpet being totally soaked. It looks a lot different after mitigation and the amount of mold was really tiny. But my restoration company took out the fans after a week thinking this was going to be resolved and we’ll just replace the carpet. But now the insurance company dicked us around for 3 weeks before denying and the floorboards look kind of wet again. I feel like the adjuster is totally in the wrong for denying coverage of the whole thing but I don’t know what to do next. Can someone give me some ideas or experience what they had to do?