Does anyone have any experience with Farmers home insurance and getting claims paid?
First of all, you should carefully read the policy documents that your mother has most recently received. If she doesn’t have them, then ask her broker for them. I suspect their reasoning is that the damage was caused by a maintenance issue with the home, not by an insured peril. I had a similar situation where the storm drain at my apartment building backed up and my ground floor apartment flooded. The insurance company stated that if the flood had occurred due to the rain event (extremely heavy rains at the time) then it would have been covered, however since it was because of improper maintenance to the building’s storm sewer system then it was not insured. I had to fight the building owners for compensation. If you can get a maintenance person to conclude that this was not a maintenance issue and was due to some natural event then perhaps it will be at least partially covered, however your chances are slim. Unfortunately fighting the insurance companies rarely results in a win for
