We were denied a claim for damages caused by a water leak in our kitchen, we think, in a mobile home located in Yuma, AZ. The problem was noticed by my sister when she saw water running out the back door. The mobile home had been unoccupied for a month. We contacted our AARP recommended insurance company, Foremost, and after several calls were told an adjuster would be coming to check the damage. The adjuster made an appointment for Monday, October 13. On Saturday, October 11, we received a letter from Foremost, Nichole Leech of their Claims Dept., informing us that our claim is denied because we had no coverage for a broken water pipe caused by "wear and tear, marring, scratching, deterioration...". This person somehow looked through the magic telephone she has and saw under our sink that there was a worn pipe that was broken due to wear and tear.By the way, the home is 2 years old. I was not aware that a pipe can have wear and tear in such a new home that isn't even lived in full time. The damage to our mobile home is extensive. The floor is practically dissolved, the air conditioning ducting was completely melted by water, the insulation under the floor of the home has dissolved. We had the air conditioning ducting replaced (costing a little over $1,000) which we received approval for from another person at Foremost that my husband was able to reach - not Ms. Leech. Now, I suppose we'll have to pay that bill also. All in all, such a bad experience. We of course will cancel our policy and tell as many people as we can about the bad practices of Foremost—and of AARP for endorsing them, and are thinking about legal action.
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