Q: Water main broke. Flooded basement, washed out gravel, dirt, grass. Insurance claim denied as 'act of God'!?
God did not lay the pipe! Utility vendor insurance carrier says not liable for damages as no work had been done that was faulty, just normal wear. But also claimed 100 year pipe, only been 50 years in. Another main burst 100 yards down road yesterday. My damage was 4 weeks ago. Should I file complaint with State or just get attorney? Surely utility company is liable now that another break occurred, and workers fixing admitted pipe was installed years ago with cheapest materials available, no way will it last 100 years. Also the site supervisor acknowledged vendor would pay for the damages to my property. Insurance carrier lied to vendor, claimed adjuster came on site and found no fault on part of utility company. No one ever came to look at my property damages.
A North Carolina attorney could advise best, but your post remains open for three weeks. You could continue to await a response, but you could also consider reaching out to local attorneys with experience in civil litigation and property & casualty losses. This has the makings of a complex, multi-party matter, and doesn't really lend itself out to a quick response in the brief format of this Q & A board. An attorney would likely want to see file documents that are available, including technical surveys, engineering reports, incident reports, work tickets and other paperwork. Good luck
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