Allstate paid $19,600 on a burst pipe water damage claim at my home in Colorado Springs after a supply line failure inside a second-floor wall flooded the kitchen, dining room, and finished basement with documented replacement cost of $137,200 by attributing the loss to long-term seepage and wear and tear, depreciating the payment to ACV, and refusing to replace continuous hardwood flooring for uniform appearance. Forced $117,600 supplemental settlement using the sudden and accidental discharge coverage analysis, the carrier's burden of proof on the seepage exclusion, and the Colorado unreasonable delay and denial statute. The five-element approach to burst pipe water damage claims with seepage exclusion disputes
Posting this because burst pipe and supply line failure water damage underpayments involving the long-term seepage exclusion, wear and tear attribution, actual cash value depreciation, and continuous...