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Our client faced a devastating situation when water from her upstairs neighbor’s unit caused significant damage to her condo. What should have been a straightforward insurance claim turned into a frustrating battle when her insurance company wrongfully denied coverage after sending a rebuild estimate.
The Extent of the Damage
After the water intrusion, we discovered:
- Visible mold growth in the bathroom, living room, and hallway
- Water damage that required extensive repairs
- A serious health hazard that needed immediate attention
Despite the clear evidence, the insurance company denied her claim, leaving her with no financial assistance to address the damage. This was not only unfair—it was a bad denial that went against the policyholder’s rights.
How We Took Action
We knew this was an injustice and immediately stepped in to fight on her behalf. Here’s what we did:
- Reopened the claim and challenged the denial
- Demanded a reinspection, ensuring a proper evaluation of the damage
- Negotiated aggressively to get her the maximum coverage available
- Secured the full $10,000 water damage cap
- Secured the full $10,000 mold damage cap
- Got her $2,500 deductible waived, since the total loss exceeded $20,000
The Final Outcome
What started as a wrongfully denied claim turned into a full payout victory. This case is a perfect example of how insurance companies sometimes try to minimize payouts or wrongfully deny claims, hoping that policyholders won’t fight back.
Our client went from having zero coverage to receiving the full $20,000 she was entitled to, without having to pay her deductible.
We are extremely proud of this win—not just because we helped our client, but because we stood up against an unfair denial and held the insurance company accountable.
