Our investigation of your claim has indicated the following:
1. Due to wear and tear, water began to seep from your water heater. You dicsovered the loss and installed a new water heater in September of 2008. No other repairs were made at that time.
2. In August of 2009 you discovered that a significant portion of the flooring in your master bedroom, all of the flooring in the bathroom, and a portion of the floor in your kitchen had rotted to the degree that it is non existent.
Our investigation further indicates tath the vapor barrier under your home did not allow the water to escape. The water evaporated and caused the floor to rot and disintegrate over a period of time.
This damage is not covered under the policy
you have with our Company.
In the first statement, she fails to mention the ruptured seam on the water heater, which was forced out by the water pressure.
In the second statement, she fails to mention that the rotted area of flooring, is consistent with the stains left by the rush of water across the surface of the floor. and is not consistent with the evaporation of water from underneath.
In here third statement, she states that the vapor barrier did not allow the water to escape. There is no vapor barrier in those areas, and I have photos that will verify that fact. These photos were sent to another adjuster for the same company a week before this adjuster viewed the damage. Also photos show the stained area which was rotted, and is not consistent with the evaporation process the adjuster claimed was at fault. I do not know how she determined the vapor barrier was at fault, since she never pulled up any of the damaged flooring to determine if it was there, nor did she crawl up under the mobile home to determine if it was in tact.
Therefore, I believe that this claim was denied based on false information, and that I am entitled to a settlement and that if this matter were to be presented to a jury, that the jury would find in my favor as well as provide severe punitive damages
against the insurance company for denying my claim with flase information.