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.

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What our clients say…

  • Vitasta M. AvatarVitasta M.

    Claim concepts helped us file a claim that I insurance company had denied. they came up with a very detailed estimate and were helpful throughout the process - 10/02/2019 

    Michael M. AvatarMichael M.

    Great effort by Greg and Eric . Really did a fine job for us by collecting the amount needed to repair house. - 6/09/2019 

    Stephen R. AvatarStephen R.

    Great people to work with. We had a flood from a broken pipe and the insurance company was not giving us enough money to pay for repairs. We hired Claim Concepts to handle the case and in the end we almost doubled the money originally offered by the insurance company! And, that was after paying the fee to Claim Concepts! Repairs are being made as I write. Thanks Gregg and Eric! - 10/06/2017 

  • 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. - 10/17/2019 

    Nancy P. AvatarNancy P.

    AWESOME SERVICES. - 10/23/2017 

    Brent W. AvatarBrent W.

    When you find yourself with such a loss and are unsure of who to trust to help get you back on your feet, look no further than Claim Concepts. It was my first time ever needing to file a claim and knowing who to trust was the biggest concern. I searched numerous adjustors and landed on Claim Concepts. Eric ran the point for my case, but the team concept approach they use is fantastic. Very knowledgeable company and took care of us in a time of need. Honesty, integrity, trustworthy and caring. I would recommend them to anyone in need of such services - 4/02/2020 

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