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A hidden leak uncovered the evidence to overturn a denied claim

Residential water damage.

Case 002ResidentialWater
Problem
Heavy rain entered Mark's home through an exterior wall, flooding the kitchen and living room and damaging cabinets and flooring. His insurer initially denied coverage, attributing the loss to excluded floodwater damage.
Diagnosis
Our investigation identified a separate water heater leak in the garage, behind the kitchen. This additional source gave the insurer new information to consider when reviewing the damage.
Treatment
We presented the findings to the insurance company and supported a reassessment of the claim, distinguishing the water heater leak from the exterior flooding.
Result
The insurer reversed its initial coverage decision following the additional findings, saving Mark thousands of dollars in out-of-pocket costs.
Kitchen wall with the cabinets pulled out, showing mold growth and water staining along the lower wall.
Drywall removed along the base of the wall, exposing mold and water damage inside the wall cavity.
Opened wall framing showing water damage running along the base of the wall.
The finished kitchen after restoration: new green cabinets, dark countertops and wood-look flooring.

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