Nik Sackstein was a senior citizen and longtime homeowner who experienced significant damage to his home when monsoon intensity rains came flowing through his roof and damaged the interior walls of his home. However, the senior who faithfully paid premiums for years was not concerned because he had homeowner’s insurance through Farmers Insurance. When Mr. Sackstein submitted his claim, the insurer sent out an adjuster who predictably went up on the roof to investigate the damage.
Property Damage Claims Lawyers Discuss Relationship between Maintenance and Coverage of Claims
However, Mr. Sackstein told a CBS News affiliate that the situation went sideways as soon as the adjuster climbed down from the roof of the house. The adjuster informed the befuddled homeowner that the roof tiles were all intact, so the damage to the interior of the home must have been caused by leaks resulting from lack of maintenance. According to the adjuster, pine needles and leaves that had dropped from trees onto the roof worked like a dam causing water to pool on the roof. Although Mr. Sackstein was able to go up on the roof and easily sweep away the debris, the damage had been done. His claim was denied because of his alleged failure to perform five minutes of virtually effortless maintenance. Continue reading →