Why Was Coverage Denied?
4/9/2021 (Permalink)
Find out if coverage would have been available to you for this kind of damage through an endorsement. You have a right to know what is covered (or could be available) on your insurance for future reference. You may also want to figure out why you did not have it. If it is available elsewhere, consider changing your company for the future.
If you are convinced that your coverage should have applied, or that something is wrong, then you should consider getting a second opinion by a licensed professional or consumer advocacy organization that is familiar with insurance in your region.
Your insurance company may also have an ombudsman that can help review your file. You can also contact your state insurance commissioners for guidance or to file a complaint.
https://www.thebalance.com/how-to-handle-water-damage-claims-3860314
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