Q: Hi, my apartment was recently damaged by a leak in our roof. My insurance is not covering the damages. Can it be covered

A: If your insurance adjuster has denied your claim based on the classification of the damage as "surface water," and you believe this interpretation conflicts with the specifics of your insurance policy or the actual circumstances of the damage, it may be beneficial to seek a second opinion. Insurance policies can be complex, and the definitions of terms like "surface water" may vary. Understanding the nuances of your policy's coverage is crucial in determining if the damage should indeed be covered.

Before escalating the matter, review your insurance policy thoroughly to understand the definitions and exclusions related to water damage. If the policy language is ambiguous or seems to support your case, presenting your findings to the insurance company may prompt a reevaluation of your claim. Documentation of the damage, along with any expert opinions you can gather regarding the source and nature of the water, will strengthen your position.

Should these initial steps not lead to a satisfactory resolution, consulting with a lawyer who has experience in insurance disputes might be your next best step. A legal professional can offer a detailed interpretation of your policy, advise on the strength of your case, and represent you in negotiations with the insurance company or in court if necessary. Given the complexities of insurance law and the specifics of each case, professional advice can be invaluable in navigating these challenges.