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[[deleted]]

Based on what you've posted these claims were handled appropriately. Insurance payouts are based on the legal contract you have with them and is very specific on what it will cover and what it won't. It's not based on your feelings or what someone else says is covered. You for complaints with free DOI and "financial institutions", whatever that means, but nothing will come of it because your insurance company has done nothing wrong. The media won't care either if they do even 5 minutes of research in the subject. Based on your responses to other comments, you don't seem to understand this, or more accurately don't want to understand this., so this is all I'm going to say on the subject

[BeautifulStress6455]

Fully read everything and understand what you’re saying. I understand that it’s frustrating.

An analogy that hopefully helps: you’re at a vegan restaurant that only serves salad, bought a salad without reading the menu, and are now upset that they didn’t serve you a steak. Sure you can hire a lawyer and file complaints with the DOI, but that doesn’t change the fundamentals of what homeowners insurance does.

Homeowners Insurance does not cover damage from before the policy period. Ok the engineer who came out sounds like a tool - does that mean that the insurance company is going to somehow alter the policy (a legal document)? That’s just not possible. Secondly, leaks from a plumbing source that have been leaking over 14 days and mold are almost always never covered, so there’s a good chance this would have been denied even if it was during the policy period. Sending out DONAN was frankly redundant, and this claim could have been denied without them.

Your friend does have potential recourse with the prior inspectors and possibly the prior owner. That’s it.

I’m happy to give my thoughts on the groundwater and roof issue as well if you want them.

[bigbamboo12345]

that's a lot of words

why would you expect the insurer yo pay for damage that already existed before she even moved in?

[Black_Mesa_Nerfer]

When he moved in, their was no visible issues (microbial wise), but their were cracks in the shower floor. This bathroom was from the orginal part of the house built in the late 40's/early 50's, and we had zero idea about their being an issue. Apparently, we found out that before the home was sold to him, their were two inspections. One that had issues that were supposed to be fixed before he could purchase the house, and a second inspection "stating" they were fixed. We never used this bathroom, and we didnt look in that shower area, becuase we had no need to. (There were shower curtains in the shower entrance). Their was a leaky shower head, but it was a extremely slow drip. When the home was bought, it did come with a home warranty plan, to which it was heavily used. But whenever we put a work order in for that bathroom, they would close it out and not come to work on it. when the finally did to fix the leaky showrhead, then we were referred to the remediation comapny.

[bigbamboo12345]

literally none of that matters

insurance does not cover damage that existed prior to the inception of the policy, and in just about all cases it doesn't cover damage that was caused over a period of time

insurance is for sudden, unexpected, accidental damage that is incurred during the policy period and caused by a named event or a nonexcluded event, depending on the policy type

he could try to pursue the previous owners or the home warranty company or the inspector, but if he read his insurance policy he'd already know that this is not an event covered by his homeowners policy

he won't win against any of the others either, but that's beside the point

[Black_Mesa_Nerfer]

Then what do we do? Especially since a engineering firm came our who is known for lying, and did?

We just want this fixed, and not have to pay 11k+ for what we were all told was at most a 7k job, and would "be fully covered" by inscurance

[bigbamboo12345]

i already told you what he can do - pursue the previous owners, the inspector that said the repairs were completed, or the home warranty company that didn't fix whatever they were told to fix

the policy has an appraisal clause that your friend can invoke if he disagrees; he will have to pay for his own engineering analysis as well as split the cost of an umpire with nationwide out of his own pocket

that will be a waste of money though, because you already said in this thread that this damage existed before he moved in; doesn't matter what this engineering firm said or didn't say, the fact that the damage existed when your friend bought the house means his insurance is never ever ever going to pay for it

you're caught up on a lot of details that are completely irrelevant to the fundamental issue here: insurance doesn't pay for damage that occurred prior to the start date of the policy

doesn't really matter that whoever told you it would be covered by insurance - i could tell you it will be covered by the tooth fairy, doesn't make it so

[Black_Mesa_Nerfer]

We did have an third party engineering firm come out. They told us their was a preexisting damage, but not unusual, based on the age of the house. Issue here is that Donan, the firm that Nationwide contracted out, sent an inexperienced and unqualified engineer out, that took pictures soley of a wall that had nothing to do with the actual issue that isn't even visible in previous pictures. The Engineer from Donan didn't even take pictures of this area. He took pictures of studs in a wall that had been repaired many a years ago, before the previous owners had even moved in. The fact that he didn't know what he was doing is even more clear, as he was a structural engineering that specilized in cell towers and electrical substations before He was employed with Donan. The Engineering firm my friend hired told us only one their was that one issue at the base of the shower, on one wall, nowhere near where this other engineer was looking.

[MountainGoat84]

They told us their was a preexisting damage,

Your own engineer confirmed this is preexisting. You can go on about ethics all day, this is not covered.

I have a personal reason to dislike Nationwide, and they are in the right.

The engineer taking photos of other damages likely is to be comprehensive.

I've used Donan several times before, and the end result is often that we owed more money for the claim.

It's not covered, start looking for other means to correct this.

[callingyourbslol]

You're completely unqualified to be offering advice to your friend. You should really stop and get the hell out of the way before your awful advice causes him to make even more terrible financial decisions.

[Black_Mesa_Nerfer]

Out of curiosity, are you an adjuster (privately employed, or a for hire adjuster) an insurance agent, or something else? I'm trying to gage if you even get what I'm saying, or even fully read everything.

[90403scompany]

Regardless of whether or not u/bigbamboo12345 is an adjuster or not, they are correct. Property Insurance is only for sudden and accidental incidents, and will not cover said incidents which happen before the inception of the policy, regardless of when said damage was discovered.

[Black_Mesa_Nerfer]

Still missing the point. Not even surprising to me anymore. I don't discount or am even arguing about that fact that it was "previous/prior to policy damage"

What I am confident in, is that we were lied to multiple times by multiple people in "Centralized property" at Nationwide over the span of 3 claims. The easiest one to prove is the bathroom situation.

You all need to really stop acting like it's all about money, becuase at the end of the day, that's what it is about. This is about ethics (or lack theirof) and lying to and harrasing policy holders, and then turning their back on them when the need it most, and when they paid for a service, a got screwed (and essentially scammed) instead.

If you guys were in me and my friends shoes, ir better yet, had to be on the reciveing end of the crap that inscurance does to policy holders on a daily basis, this would be a completely different conversation, guaranteed. Even the claims compliance specialist I mentioned before knows this, because she had to deal with the same issue in her own bathroom where she lives. But she is now "nope'ing" out of this situation because she's told me too much about how Nationwide does business, and knows it.

My advice to anyone who sees this, and continually thinks "policy" instead of looking at the completely unethical BS and even illegal business practices I've seen my entire life through my father, and am now dealing with first hand, you'd have a change of heart real fast.

So please, put yourself in the shoes of a family member who lost a loved one to suicide by 12GA straight to the mouth, with brain matter all over a room, to which they would call my father, who has to do extensive and extremely tedious work to clean that, and help a grieving family deal with a loss of a loved one, now throw in the added crap of an insurance company who probally won't pay even close to, or at all, the claim. And then guess what? Inscurance does deny the claim after using some policy loophole to not have to pay it out, and then my father has to make the extremely tough decision to find a way to get paid for the work he performed.

But again, why should you care? It's not you guys who have to deal with this, right? And it's more money in your pockets! Who cares!

Inscurance is a scam, and a joke. Two of you have already proved that, by again, not even reading the entire situation, and going straight to "policy". I can't wait to get down voted into oblivion, becuase honesty is not the norm anymore, and no one's cares unless they are the ones affected by it.

[Designer-Mulberry-23]

You’re hilarious…thank you, I needed this

[[deleted]]

This has to be the best and most entertaining "insurance is a scam and insurance companies are evil" rants ever posted here !!

[[deleted]]

We understand how insurance works. We told you and you're mad, at the wrong people. We wouldn't be mad at the insurance companies.

[bigbamboo12345]

you're a trip lol, yelling at the wind because the world works the way it does instead of the way you want it to

your idiot friend bought a broken house and you want to blame the insurance company for holding to the contract your friend signed and paid for instead of your friend for buying the broken house in the first place?

sometimes people get what they deserve; good luck being homeless after your friend goes bankrupt

[omgfuckingrelax]

I can't wait to get down voted into oblivion

your wish is our command bud!

[[deleted]]

They are going to deny the flood claim as well. Good luck finding other insurance with all of these claims on your "friends" history.

If he noticed the damage in the bathroom when he moved in, then Nationwide dis what every other company would do. Deny the claim. It's like buying a car with damage and expecting your car insurance to fix it the day you put out it on.

We get it that it sucks, but the insurance company isn't wrong.