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Final Settlement: $42,500.00
Plumbing losses are among the most common and disruptive types of property damage homeowners face. Even small leaks can lead to extensive water damage if not addressed properly. In this case, our insured suffered a plumbing failure that the insurance company initially denied — until Coast 2 Coast Adjusters stepped in.
Initial Incident
A failed P-trap under the kitchen sink caused significant water damage to surrounding cabinetry and flooring.
The homeowner promptly:
- Reported the loss to their insurance carrier
- Began mitigation efforts to prevent mold and further damage
- Contacted Coast 2 Coast Adjusters for assistance after the initial denial
The Insurance Company’s Response
Despite the clear evidence of sudden and accidental water damage, the carrier:
- Denied the claim entirely
- Argued that the damage was due to wear and tear
- Refused to acknowledge the policy’s coverage for accidental discharge of water
- Offered no compensation for repairs or restoration
How Coast 2 Coast Stepped In
Once retained, Coast 2 Coast:
- Reviewed the full policy to identify overlooked coverage provisions
- Compiled evidence proving the failure was sudden and accidental
- Presented comprehensive documentation and expert reports
- Persistently negotiated until the carrier reversed its denial
The Outcome
Settlement Achieved: $42,500.00
This represented a complete reversal from a denied claim to a full and fair settlement for the insured.
Conclusion
Insurance companies often deny plumbing-related claims, citing wear and tear to avoid payment. With Coast 2 Coast’s detailed documentation, persistence, and policy expertise, a fully denied claim was turned into a $42,500.00 settlement, ensuring the homeowner received the compensation they deserved.
Initial Offer: Denied Claim
Final Settlement: $42,500.00
Total Increase: $42,500.00
Percentage Increase: N/A
