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Old 07-27-2021, 06:23 PM   #1
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Water Heater Leak

Hello about 2 weeks ago we went up to our camp and found that our water heater took a crap. It had leaked down into the fiberglass insulation and between the floor and underbelly. I contacted my insurance and a adjuster went out. She didn’t have our repair guy with her. Ultimately she denied the claim stating that the water damage was pre existing. I’m so pissed. Our repair guy said it could get that wet because of the water heater. She won’t hear it. Anyone else have this happen? I’m not expecting them to replace the water heater but I think they should cover the removal and replacement of the insulation. Looking for some information and experience with this from you all.
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Old 07-27-2021, 06:48 PM   #2
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I don't get it. This insurance is your extended warranty/service plan?
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Old 07-28-2021, 04:30 AM   #3
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No not extended warranty/service plan, my insurance for accidents, damages etc through Erie Insurance.
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Old 07-28-2021, 05:26 AM   #4
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Even if they did cover it, what is your deductible? How much would a small square of insulation cost. If you know it's wet you can already get to it. You probably spent more time messing with meeting people than you would have just replacing it yourself.
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Old 07-28-2021, 07:38 AM   #5
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How long to you think it had been leaking, from where, and what might have caused to to start leaking?
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Old 07-28-2021, 10:02 AM   #6
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I guess the real questions are, how long have you owned the trailer, and what how does the adjuster determine the damage is preexisting?


Don't know if you crawled under the trailer at any time before the leak, and I doubt you have any pictures, but something caused her to make that determination. What, exactly, was it?



That heater, if it was the tank, likely leaked, slowly at first, for a time. When heated, the pressure inside will cause fine sprays from pin holes, leaks that will take a while to discover. Weakened sides, seams, or connections, can burst when the pressure builds, and you know you've got a problem.


So, how long have you had the trailer, and what made her determine it was preexisting? Dried water stains in the surrounding area? That is consistent with a failing water heater that leaked prior to bursting completely. How long does it take for such stains to be generated? Unless you just bought the trailer, anytime you used it previously could have made the marks that were used to justify preexisting.
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Old 07-28-2021, 06:36 PM   #7
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Originally Posted by wellermom74 View Post
No not extended warranty/service plan, my insurance for accidents, damages etc through Erie Insurance.
Does your policy cover component failure, like a water heater or a tire? Collision and comprehensive usually do not, unless you add an expensive rider. Like if the radio fails in your car, it's on you.
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Old 07-29-2021, 05:50 AM   #8
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How long to you think it had been leaking, from where, and what might have caused to to start leaking?
Unsure. We were up the week before and saw no issues then the following weekend water everywhere. We know it is the water heater because once we bypassed it the leaking stopped. Just no clue how long it was happening. :(
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Old 07-29-2021, 05:59 AM   #9
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I guess the real questions are, how long have you owned the trailer, and what how does the adjuster determine the damage is preexisting?


Don't know if you crawled under the trailer at any time before the leak, and I doubt you have any pictures, but something caused her to make that determination. What, exactly, was it?



That heater, if it was the tank, likely leaked, slowly at first, for a time. When heated, the pressure inside will cause fine sprays from pin holes, leaks that will take a while to discover. Weakened sides, seams, or connections, can burst when the pressure builds, and you know you've got a problem.


So, how long have you had the trailer, and what made her determine it was preexisting? Dried water stains in the surrounding area? That is consistent with a failing water heater that leaked prior to bursting completely. How long does it take for such stains to be generated? Unless you just bought the trailer, anytime you used it previously could have made the marks that were used to justify preexisting.
We have had the trailer for 3 years. I am unsure exactly what made her think it was preexisting. I was not there when she went up so I allowed her to go in since we have a spare key in a lock box. Our repairman could not meet her there so she looked around on her own. When we bought the trailer there was a tear in the vinyl flooring by the fridge. We haven't gotten it fixed yet. She mentioned this tear. Now keep in mind where the tear is located is the total opposite direction to where the water heater is and where I told her the issue was. So why are you walking around looking for things.

Once she was done she called to say it was a denial. She said that the water was leaking for a long period of time and that the floor is soft and that there is wood that is rotting. When I asked her where she told me but we never noticed a soft floor or any rotting wood. I asked for photos and she has to this day not sent me anything.

While I understand that some things are not covered by insurance I don't understand why a adjustor would go into my camper and look in areas that have absolutely nothing to do with the problem. I work for a body shop and deal with insurance companies daily. My fiancť is a insurance appraiser/adjustor so we are both very knowledgeable. This whole thing has me so upset and confused. If you are going to deny my claim and state there are issues then send me the photos showing me exactly why. Don't just say it is denied. This could cause issues later and that is my main concern.
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Old 07-29-2021, 06:01 AM   #10
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Does your policy cover component failure, like a water heater or a tire? Collision and comprehensive usually do not, unless you add an expensive rider. Like if the radio fails in your car, it's on you.
I was not expecting it to cover the water heater, but any damage the water itself may have caused. I work for a body shop so I am familure with normal wear and tear on a vehicle.
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Old 07-29-2021, 06:04 AM   #11
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Even if they did cover it, what is your deductible? How much would a small square of insulation cost. If you know it's wet you can already get to it. You probably spent more time messing with meeting people than you would have just replacing it yourself.

My deductible is only $200. We have only had the camper 3 years and this is the first major issue we have ran into. I do not know where it is wet at. The adjustor did not explain that, nor were we there when it was looked at. So I had asked them to send photos but as of now they have sent nothing. My fiancť can fix it himself but we need to know exactly what she (adjustor) is talking about. At this point we will end up doing it ourselves but need to know where to start. Can't just go ripping stuff apart.
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Old 07-29-2021, 09:28 AM   #12
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Being that both you and your wife are familiar with insurance adjustments, I am sure you will immediately contact the insurance company, demand to talk to a "higher up," and insist that a new adjuster be sent out to investigate the water heater issue only. Also, that the conclusion of the original adjuster is inherently invalid as there are no supporting documents nor evidence that any damages reported were from the heater. A soft floor, even if present, does not necessarily represent damages caused by the water heater leak if found in an area unrelated to the heater.


What is unclear in your response is, the soft floor location. You stated you never noticed it, but if it is in an area in which a leaking water heater could have caused it, then the adjuster has a legitimate point. We need clarification on the location of the damaged/rotted flooring, which is what you are asking.


This whole incident needs to be reported and challenged, IMO, if the basis for denial is nowhere near the water heater. The insurance company is failing to prove its location yet it is the basis for denial. It is their obligation to support a denial with facts and data. Until they supply it, there is no grounds for denial.
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Old 07-30-2021, 06:03 AM   #13
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Being that both you and your wife are familiar with insurance adjustments, I am sure you will immediately contact the insurance company, demand to talk to a "higher up," and insist that a new adjuster be sent out to investigate the water heater issue only. Also, that the conclusion of the original adjuster is inherently invalid as there are no supporting documents nor evidence that any damages reported were from the heater. A soft floor, even if present, does not necessarily represent damages caused by the water heater leak if found in an area unrelated to the heater.


What is unclear in your response is, the soft floor location. You stated you never noticed it, but if it is in an area in which a leaking water heater could have caused it, then the adjuster has a legitimate point. We need clarification on the location of the damaged/rotted flooring, which is what you are asking.


This whole incident needs to be reported and challenged, IMO, if the basis for denial is nowhere near the water heater. The insurance company is failing to prove its location yet it is the basis for denial. It is their obligation to support a denial with facts and data. Until they supply it, there is no grounds for denial.
Good morning,

My husband spoke with her higher up yesterday for this very reason. We are challenging her denial. He will be meeting with another adjustor Monday or Tuesday. As I told her higher up, I understand that sometimes things are not covered but to deny a claim and refuse to send me the images behind the reason you are denying it is wrong. That is what she did. She is stating there are issues soft floor, rotting wood, etc but not telling me where exactly they are and we never saw any of this and she refused to send the photos of where these issues are located. So fingers crossed something will be done.

Thank you for your suggestions.
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Old 07-30-2021, 09:35 AM   #14
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Good morning,

My husband spoke with her higher up yesterday for this very reason. We are challenging her denial. He will be meeting with another adjustor Monday or Tuesday. As I told her higher up, I understand that sometimes things are not covered but to deny a claim and refuse to send me the images behind the reason you are denying it is wrong. That is what she did. She is stating there are issues soft floor, rotting wood, etc but not telling me where exactly they are and we never saw any of this and she refused to send the photos of where these issues are located. So fingers crossed something will be done.

Thank you for your suggestions.
Please keep us updated!
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