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
Super_Dave wrote:
"Accidents" might be better defined as action outside your control. Somewhere in the fine print, I'm sure the policy says it doesn't cover "stupid". When I do something that qualifies as, "stupid", I'm pretty prepared to have to pay for it myself.
I am a retired (last August) Director of claims. Insurance does cover stupid, as most accidents would fall into this range. The policy likely provides all risk coverage, thus there must be a specific exclusion to exclude coverage. Insurance companies have a lot of new trainees and often they are over exuberant. Raise the issue to the next level and if not satisfied take it to your States Insurance Department for a formal complaint. If the Insurance Department agrees that there is no coverage, than that is the way it is and no other company is likely to have coverage either. In a typical home owners policy, water which backs up through sewers and drains is a specific exclusion. Quoting the mechanical break down exclusion seems odd in this case, but the details might indicate otherwise. If it was a mechanical breakdown and it wasn't due to poor maintenance, then the manufacturer should take care of the issue. Continue to push the issue.
