Interesting Claim Denial: Condensation

We were recently hired by a very nice couple in Boca Raton that had some water damage to their property and their claim was denied.   I know from working on both sides of the claim process that many times there is a good reason for denying the claim but in this case I wanted to take a look for myself.  From what I was told the Air Conditioning system had leaked damaging the walls, ceiling and some baseboards.  I proceeded to read and reread the policy and was stuck on the part where they state the covered perils, one statingBoca Raton Claim denied for condensation.  As Florida Public Adjusters we helped to get the claim paid the following:

“Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance”

It seemed pretty clear to me that this claim should in fact be paid and I took on the challenge to get the insured what they deserved.  It turned out that their reason for the denial was stating that the water damage was caused by condensation on the outside of the system and therefore it was not ‘within’ the system.  The only question I repeatedly asked was “what other water is in a A/C system other than condensation?”

Results:

Insured was paid within 30 days of our Florida Public Adjusters began fighting the case.  I have seen the insurance companies reach far for a reason not to pay but in my opinion this one was a bit further than most.  I am thrilled that we were able to help and the insured finally got what they deserved.

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What our clients say…

  • 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 

    Christian T. AvatarChristian T.

    During a very stressful time my mother went through with her house, Greg Roover and Claim Concepts helped take the brunt of work off my shoulders. Nicest guy youll ever meet, extremely helpful. They made it so easy for me and are still there for me if i ever have any questions. Good pick for anyone looking. - 10/02/2017 

    Sidra C. AvatarSidra C.

    Greg was super help in guiding me when I called with my frustration of not getting things done with my insurance company. Even though Greg does not practice in Virginia but he was super nice to guide me by spending 20-30 minutes and because of his guidance I was able to get things resolved and I am very happy now. Thank you so much, Greg! - 4/09/2020 

  • Rich B. AvatarRich B.

    Attention to detailThey were an invaluable asset in helping me to maneuver the complexity of getting my claim settled.No headaches , no hassle, they take care of everything. - 10/02/2017 

    Jadon t. AvatarJadon t.

    These guys are amazing they will fight for you and make sure even after they're done with their job they still answer questions for you in regards to your insurance claim. I've been battling back-and-forth with my mortgage company trying to release my funds and Eric has been amazing still helping me even though his job has been done. Greg and Eric are an awesome team if I ever need a public adjuster again they will be my number one guys to call no hesitation! - 10/23/2017 

    Richard B. AvatarRichard B.

    I tried to work with my insurance company due to hurricane roof damage. After frustrating phone calls I decided to look for help. Claim Concepts took over and got me the funds.Thank you. - 4/18/2021 

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