State Farm Insurance — state farm will not cover my sewer pipe break
I am writing this in the hopes that someone out there could help me, or lead me in the right direction. I recently found out I had a Sewer Pipe Break under my house. We had an adjuster come out and did the whole 9 yeards. In order for it to be fixed, a plumber would need to break up my recroom floor (the pipe is under the cement slab), bathroom tile floor and more than likely my laundry room floor (they are not sure where the damage ends without sticking another camera. We found Mold from the water leaking all along my basement wall and I have 2 small children who have all their toys down there. Long story short, the adjuster that I had come out was under the impression that it would be covered. Our home owners policy is under State Farm. All the leg work has been done, we even had a company called Serve Pro come out a put an air cleaner in our basement and tape off the closets where the mold is. The agent from State Farm came out to look at the problem a few days later State Farm sent out their plumber to confirm there was a leak and the pipe needed to be fixed. The plumber confirmed it and the adjuster went back to State Farm to get the go ahead to get the job done. I just got a call today that State Farm denied my claim stating the "wording in the policy had recently changed" and Pipes that are under the slab are not covered. This is unbelieveable!!! We have had StateFarm for 8 years ever since we became home owners, never had a claim until now. What do we pay insurance for if they are not going to pay for damamges. Where else do they expect a Sewer Pipe to be on top of your house?? This job is going to cost any where from 8, 000-20, 000 dollars. Not even counting the cost of having my basement walls ripped out, redone and mold free as well as my belongings in the basement, bathroom tile floor replaced, painting redone since the wall was cut to get to the pipe. My adjuster told the Manager at State Farm we would take him to court and he said go ahead we have a good case. I do not have the money for a lawyer let along the money to fix all the damage. Please help. State Farm is probably screwing so many others and this needs to STOP NOW. I am hoping someone reading this can help me.