water loss insurance coding

 

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✔️ Insurance Coding Correction — Complete Summary for Your Records

1. What Happened

Your attic issue was caused by improper ventilation, which leads to:

• Gradual moisture buildup
• Condensation
• Temperature imbalance
• Occasional mold or staining

This is a slow‑developing condition, not a sudden event.

The insurer incorrectly coded it as a water loss, which:

• Is defined as sudden and accidental
• Requires an active leak, burst pipe, storm intrusion, etc.
• Does not apply to ventilation or condensation issues

Because of this mis‑coding, your premium increased by $600, which is absolutely grounds to request a correction.

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2. Why Improper Ventilation Is NOT Water Loss

Insurance companies classify improper ventilation as:

• Maintenance issue
• Wear and tear
• Construction/ventilation deficiency

It is not:

• Sudden
• Accidental
• Caused by a covered peril

Therefore, it should not be coded as water damage.

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3. Message to Send to the Adjuster

You can keep this exact wording:

Subject: Request for Claim Reclassification — Incorrect Water Loss Coding

Hello,
I’m requesting a correction to the claim coding. The attic issue was diagnosed as improper ventilation, which causes gradual humidity and condensation, not a sudden or accidental water event. There was no active leak, no burst pipe, and no sudden water intrusion, so this does not meet the definition of a water loss under standard homeowners insurance guidelines.

Improper ventilation is a maintenance/structural issue, not a covered peril and not a sudden water event.

For accuracy and future rating purposes, please update the claim classification to reflect the correct cause: ventilation deficiency / moisture from inadequate airflow, not water damage.

Please confirm once the correction has been made.
Thank you.

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4. What You Already Did (Perfectly)

You told them the incorrect water‑loss coding raised your premium by $600.
That was exactly the right move — it puts pressure on them to fix the coding quickly.

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5. What Happens Next

• They review your request
• They reclassify the claim
• Your premium should adjust back down
• The incorrect water‑loss mark is removed from your record

If they push back, I can help you write a stronger follow‑up.

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If you want, I can also create:

• A shorter version for texting
• A more assertive version
• A Washington‑state‑specific version
• A step‑by‑step plan if they don’t fix it

Just tell me what you prefer.