Insurance denying claim for ripped floor
All, I posted an earlier thread about how my vinyl floor ripped this winter, and heard from many of you on your similar experiences. I didn't want to file a claim with my insurance, so I started r...
Forum Discussion
jj95 wrote:
axg1040 -
Thanks for the info, I will be looking into the MO Dept of Insurance this afternoon.
A few people have asked, and I didnt have it handy, but now I do - the language from my policy:
Exclusions:
We will not pay for:
2. Damage due and confined to wear and tear, freezing, or road damage to tires. This does not apply if the damage results from the total theft of your covered auto. This exclusion does not apply to Towing and Labor Costs Coverage.
So that is pretty clear - but according to USAA, all carriers have this language in their policies. I dont understand why USAA is the only using this exclusion? Perhaps because it was written for a different purpose, such as your radiator freezing and cracking because it was filled with water? I dont know.
I would have to say the damage wasnt from freezing , it was from contraction . If I remember for something to " freeze" it has to change from a liquid state to a solid state .
