Common Claim Denial: Constant or Repeated Seepage or Leakage

It is very common for Policyholders to have water damage to their property due to a plumbing leak.  Most if not all property owners immediately believe that they have insurance for that, unfortunately many have learned that this is not always the case.  Just about every insurance policy is going to have some type of exclusion to protect them from ongoing leaks.  It will typically read something like this:

“Constant or repeated seepage or leakage of water or steam, or the presence of condensation of humidity, moisture or vapor which occurs over a period of weeks, months or years (sometimes worded – over a period of time or over a period of 14 or more days).”

There is one more sentence that has been included in several different policies that is the biggest problem for many insureds.  It is written directly after the above noted language and it states:  “whether hidden or not.”   Upon receiving a denial letter in the mail many policyholders will read the language in the letter and agree that it makes sense, however there is a lot more to it!  If you have received a letter similar to this we recommend you immediately seek the assistance of a Professional Public Adjuster or Attorney to review your policy and the facts of your case.

Suspected mold / water damage to drywall

Suspected Microbial Growth (mold) in closet.

From what we have been seeing in the field, this exclusion is being abused and many times claims are being denied based solely on this exclusion when in all reality, the leak was not ongoing.  We dispute these claims as it is very difficult if not impossible to put a timeline on a leak.  

Seeing what appears to be suspected microbial growth and knowing what types of mold are present are 2 very different things.  The most common mold that we see on water damage claims is Penicillium / Aspergillus and this type of mold can begin growing within the first 24-48 hours of water damage given the right conditions and can continue to germinate long after the water source has stopped which is why proper water extraction and dry out is so important during water losses.

Many times the insurance companies deny the claim based on an adjusters observations and other times they will send out their “experts” to evaluate the loss.  Either way you do not have to take their word for it.  You do not have to sit back and let the insurance company dictate the outcome of your claim anymore.  You have the right to hire your own experts and representatives to make sure that you are being treated fairly.  Our Public Adjusters have successfully handled many of these types of claims, call 800-801-2099 for a complimentary claim consultation.

Free Claim Review With a Florida Public Adjuster

What our clients say…

  • Marilyn P. AvatarMarilyn P.

    We had a water leak in our house. We called insurance and they send an appraisal guy to determine the damaged. What a bad experience when he gave me instructions of what to do taking pictures forward to him etc. When the insurance final the case they send us a check for much less to cover all the damage.We found Greg Hoover, He response immediately and guides us in what to to do. He fought for us with the insurance company and we get exactly He told us in his appraisal. Highly recommended him. Very professional - 10/23/2017 

    cyril s. Avatarcyril s.

    Hiring Claims Concepts was one of the best decisions that my wife and I have made. A remarkable group of good, sincere people with a strong work ethic. They turned a stressful situation into a positive outcome. The only regret we have is not hiring them sooner. We would recommend them without any hesitation. So, to Greg, Eric and Jesse we thank you from the bottom of our hearts! - 4/23/2019 

    Steve L. AvatarSteve L.

    I was very impressed with the level of service I received from Claims Concept. Greg, Jesse, and Eric were very professional and took the time to explain and handle the entire process. I highly recommend Claims Concept! - 1/19/2021 

  • F F. AvatarF F.

    We were at a standstill with our insurance company....many many monthsof negotiating without any payment. We hired Greg. He was very professional,competent and got the job done quickly. Wish we would have hired him much sooner. We definitely would recommend Claim Concepts to settle a problem you may be experiencing. - 10/02/2017 

    Poh W. AvatarPoh W.

    My house caught on fire in late March 2019. Initially I tried to deal with insurance adjuster myself but it quickly became too much work for me to handle.Fortunately, my boss was in a similar situation and highly recommended me to talk to Claim Concepts. I contacted Greg Roover (the owner), we had a great conversation and contracted CC to be my public adjuster. I met with Eric Thomas (one of Greg’s associates, super friendly and professional) the next day to previewed my burnt house and went over logistic.4 months later not only did I got my insurance claim approved, Eric managed to get the full insured amount as well. Great Job Claim Concepts! I would highly recommend Claim Concepts especially if you find yourself in a fire or hurricane claim situation. - 11/02/2019 

    Patsy B. AvatarPatsy B.

    Greg was super professional and helped me do battle with a very reluctant insurer (Peoples). Our damage claim was fair to both sides, and was very happy Peoples finally saw it that way. Greg was on time for appointments and kept in excellent communication. I would not hesitate for a moment to recommend him to family and friends and use in future-- God forbid--if I had insurance problems or damage to my home - 11/23/2018 

If you are looking for a Public Adjuster Near Me, you came to the right place. Our Florida Public Adjusters represent Policyholders Statewide, including but not limited to the following areas:

Florida Panhandle, Bay County, Washington County, Holmes County, Jackson County, Calhoun County, Gulf County, Franklin County, Liberty County, Gadsden County, Wakulla County, Leon County, Panama City, Panama City Beach, Marianna, Port Saint Joe, Apalachicola, Blountstown, Tallahassee, Mexico Beach, Callaway, Chattahoochee, Lynn Haven, South Florida, Central Florida, Northern Florida, Southwest Florida, West Florida, Palm Beach County, Martin County, St Lucie County, Broward County, Okeechobee County, Brevard County, Glades County, Indian River County, Lee County, Dade County, Boca Raton, Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boynton Beach, Lake Worth, Hobe Sound, Stuart, Palm City, Juno Beach, North Palm Beach, Royal Palm Beach, Singer Island, Riviera Beach, Collier County, Charlotte County, Palm Bay, Melbourne, Vero Beach, Cape Coral, Fort Myers, Orange County, Orlando, Port Saint Lucie, Weston, Delray Beach, Kissimmee, Fort Pierce, Greenacres