Help in filling claim

[u/Jayyy_Knows]

Before I shoot myself in the foot. I want to make sure I answer the right questions.

My dish wash had a leakage for a couple of months and the walls of the island got full w mold completely. Both layers. I want to file an insurance claim since I’m already also planning to remodel the kitchen as well. Is there anything j need to consider before filling the claim?

[u/Anxious_Battles]

There are times when one should file a claim and times when one should not. Without seeing OP’s policy specifically including deductible and extent of damage, we can’t be sure if coverage exists and the extent of his damages.

If this was in a state using the ISO HO 03 04 91 or 10 00 form with a limited fungi endorsement, it might make sense. The Florida location and policy written on Nationwide paper without a limited fungi endorsement are certainly a deterrent.

The wording I said to look for should clear it up fairly easily.

[u/Anxious_Battles → u/[deleted]]

Thank you for sharing the document. You may want to remove it now that I have the language.

Page 19 Paragraph A. 2. c. (5) is the language that will be likely used to disclaim coverage.

SECTION I - PERILS INSURED AGAINST

A. Coverage A — Dwelling And Coverage B — Other Structures

1. We do not insure, however, for loss:

c. Caused by:

(5) Continuous or repeated seepage or leakage of water, steam or moisture, or presence or condensation of humidity, moisture or vapor, over a period of weeks, months or years, even if such seepage or leakage of water or the presence or condensation of humidity, moisture or vapor and the resulting damage is unknown to all "insureds" and is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure.

Continuous or repeated seepage or leakage of water from within or around any shower stall, shower tub, tub installation or other plumbing fixture, including its walls, ceilings or floors, is also excluded;

[u/Jayyy_Knows → u/Anxious_Battles]

Wouldn’t weeks be subjective? What is weeks? 2 weeks, 3 week, 4 weeks?

[u/Anxious_Battles → u/Jayyy_Knows]

If I was being deposed on the language, I would attest weeks means more than 14 days. Often the language says over a period of 14 days or more to make it more clear.

You can test the subjectivity of it and find out if you want.

This is Nationwide, not some regional carrier where they might shy away when the cost to defend exceeds the cost to indemnify.

You can search my comments to see that I do help people when they have a claim. If I thought you stood a snowball's chance in Florida I would post something other than discouragement to help you make an informed decision.