Clearwater tree impact: pool cage denied as landscaping, reclassified.
Carrier applied landscaping sublimit to pool cage damage. Coverage B reclassification recovered full cost.
Carrier applied landscaping sublimit to pool cage damage. Coverage B reclassification recovered full cost.
The initial claim
What went wrong
Adjuster classified pool cage damage under landscaping sublimit ($2,000). Pool cage is actually Coverage B (Other Structures, 10% of Coverage A).
The intervention
What we did
Cited policy definitions, construction permits showing structural classification, and ANSI standards for pool enclosure categorization.
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Misclassification is common and correctable. Policy definitions govern, not adjuster preference.
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