Having a party always sounds like a good idea until something goes wrong.
Wheeler, DiUlio, & Barnabei received a call from a client whose hardwood floors were damaged by high heel marks during a party at their home. When the client filed a claim with their insurance company to repair the damage, it was denied.
Initially, the client took the insurance company’s word for it, assuming that the damage was not covered under the terms of their policy. Thankfully, they decided to seek a second opinion from us.
We carefully reviewed their policy and saw the insurance provider was attempting to manipulate the language of the policy, picking and choosing exclusions to deny our client’s claim.
The policy denied damages which involved marring. Read alone, this language would automatically indicate to a homeowner that high heel marks on a hardwood floor are not covered – exactly what the insurance provider hoped.
However, our associate dove further into the language of the policy. She argued that the marring exclusion in the policy only applied to long-term damage, not damages which occurred one night during a party. The courts agreed, and our client was awarded full compensation for repairs of their hardwood floors.
It is this sort of experience and attention to detail that you need on your side if an insurance claim is denied. Your provider will try to convince you that you are not covered for damages, but in reality they are picking and choosing language that works to their benefit in the hopes that you’ll take their word for it. Wheeler, DiUlio, & Barnabei is here to review your denied claim and hold your insurance company accountable for giving you the help you need when it is required of them.
Don’t let your insurance company take advantage of you. Contact Wheeler, DiUlio, & Barnabei today for a free review of your denied claim.