Insurance Co. lying and cheating

[emilyorey]

What is the name of your state (only U.S. law)? Arkansas

About 2 months ago, we had a drainage pipe burst in our house. We called the insurance company immediately. Since that time, we have gotten the run around. We have finally gotten the drain pipe repaired. When the ins. co. sent out the check for the plumber, they told us as soon as the pipe was repaired, they would send out an adjuster to assess the damage to the flooring and mold/midlew damage. After the pipe was fixed, we called to let them know. After more than a week of calling, we finally got told that they would be sending an adjuster to the house. (Over the past 2 months our kitchen base cabinets have gotten completely ruined, and we had to move out 3 weeks ago because of the mold issues.) Now they are saying that the check they sent to the plumber was for flooring and plumbing. And they are saying that everything else is a long term condition and therefore not covered. We never signed any agreement or anything. Is there anything we can do?

[moburkes]

Originally Posted by emilyorey

What is the name of your state (only U.S. law)? Arkansas

About 2 months ago, we had a drainage pipe burst in our house. We called the insurance company immediately. Since that time, we have gotten the run around. We have finally gotten the drain pipe repaired. When the ins. co. sent out the check for the plumber, they told us as soon as the pipe was repaired, they would send out an adjuster to assess the damage to the flooring and mold/midlew damage. After the pipe was fixed, we called to let them know. After more than a week of calling, we finally got told that they would be sending an adjuster to the house. (Over the past 2 months our kitchen base cabinets have gotten completely ruined, and we had to move out 3 weeks ago because of the mold issues.) Now they are saying that the check they sent to the plumber was for flooring and plumbing. And they are saying that everything else is a long term condition and therefore not covered. We never signed any agreement or anything. Is there anything we can do?

Thsi is confusing, but the one thing I CAN tell you is that damage which occurs over a long period of time is not covered. That's more of a maintenance issue than an insurance issue. If you feel the insurance company is jerking you around (I'm not sure they are, since I don't really understand) contact the department of insurance for your state and file a complaint. OR, you can tell them you're contacting the department of insurance which should help them move more quickly.