We had a refrigerator stolen from our rental unit, and the person who stole it left the icemaker line on, which flooded the unit. Fortunately, the tenant next door heard the water and went over during the night to shut the water off. We went over the next day, sucked up all the water, and ripped out the damaged carpet.
The tenant living there moved out within that week, and we then hired contractors to repaint the unit and replace the carpet. When we were ready to move another tenant in, we noticed that the water damage was more significant than we originally thought. The cabinets were ruined along with most of the baseboards and drywall. We then decided to make a claim with our insurance since the damage was so significant.
When the adjuster came to look at the property, he immediately said that this would not be covered because of the mold. I repeatedly asked that they at least cover the damage that the water had caused outside of the mold remediation cost. He said that he believed this was not a sudden flood but that we had neglected a small leak over a long period of time.
I provided the adjuster and his manager with documentation from my plumber and a professional water damage repair company, which they had asked for, clearly indicating that there was a sudden flood and it was not due to neglect over a period of time. There is no way there would be water damage across the room if this was a small leak over time.
They had their minds made up. They had the excuse of the mold being there and were completely unopen to truly trying to understand what happened. I have been doing business with Allstate for 12 years and have filed almost no claims outside of hail damage on my roof. This is how I get treated the first time I have a major issue.
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