Nationwide is not on our side
I just got off the phone with Nationwide Insurance and they have denied any coverage for our black tank overflowing into the bathroom and up the vent and into the ceiling. They will send a letter but ...
Forum Discussion
I used to be an insurance adjuster, and yes, we do pay for stupid. I'm not calling you stupid, so please don't take offense. I'm not exactly sure what happened, but if you leave the car in neutral and it rolls down into a swimming pool, it would be covered. Yes, it might have been stupid, but it would have been covered. It was sudden and accidental. A maintenance issue is not sudden and accidental.
Again, I do not know the whole story, but from the little I read it sounds like they might be correct to deny the claim. If you don't feel they are being fair, you could certainly ask to have the claim reviewed. Read your policy and try to understand the exclusions portion. Then get a good understanding of what actually caused the problem. You might be able to determine if coverage should apply or not. Just because it was denied once, doesn't mean you can't dispute it. Good luck.
Again, I do not know the whole story, but from the little I read it sounds like they might be correct to deny the claim. If you don't feel they are being fair, you could certainly ask to have the claim reviewed. Read your policy and try to understand the exclusions portion. Then get a good understanding of what actually caused the problem. You might be able to determine if coverage should apply or not. Just because it was denied once, doesn't mean you can't dispute it. Good luck.
