Insurance claim denied

[Vipul Shah]

I have a rental property in Orange county, California. We had a water leak and damaged the property. The plumber reported that "Burst copper pipe connecting to tub was the determined problem.  Tech found leak on 1/2 copper pipe that’s feeding the upstairs tub." However, Insurance denied my legitimate claims saying burst pipe is not covered.

 Is anyone here, had similar experience and got coverage by insurance. Any help and guidance is appreciated.

Any recommendation on hiring an attorney for this case? if so, any recommendation for attorney.

Thank you in advance.  

[John Mocker]

Vipul,

The coverage, under most property policies, for this type of situation hinges on "Sudden & Accidental" vs. long term leak.  That is the first thing to determine.  Second thing to know is that the damage to the pipe itself is not covered.  The ensuing damage (soaked sheet rock, damaged paint, etc.) is what is covered.  Look up your policy and review the coverage.  Check the covered perils (Water damage specifically) and what exclusions are on the policy.  

Get a claim denial in writing.  If the reasons for the denial are incorrect, respond in writing.  You are building your case either for the State Insurance dept or court.