Your claim was denied for Basement Water Intrusion Excluded. Here is what that means.
Below-grade water damage excluded.
Your claim was denied for this reason.
Denial is not the final word. Many denials are overturned with proper documentation.
Below-grade water damage excluded.
Legitimate
When this denial holds up
When water was surface flood entering through below-grade openings.
Contest
When this denial is improper
When plumbing or sudden accidental water entered basement.
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We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
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- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Build your case
Counter-evidence
Evidence list
- ✓Water source identification
- ✓Expert classification
Action
Next steps
- 01
Request specific denial reason in writing
Ask for policy language and factual basis.
- 02
Gather counter-evidence
Each checklist item strengthens your position.
- 03
Submit supplemental documentation
Send to claim file. Request review.
- 04
Escalate if needed
Public adjuster, DFS complaint, mediation, or litigation.
No obligation. No fee unless recovery.
Denied for "Basement Water Intrusion Excluded"? Free review.
Many denials overturn with proper representation.
Similar patterns
Related denials
Cosmetic Metal Roof Damage
Metal roof hail denting classified as cosmetic.
Voluntary Parting of Property
Carrier alleges insured voluntarily gave up property.
Mysterious Loss of Personal Property
Carrier invokes mystery-disappearance exclusion for lost items.
Rodent Damage to Personal Property
Rodent damage to contents typically excluded.
Insect Infestation Damage
Termite or carpenter ant damage excluded.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 626.854
Public adjuster.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Bill of Rights.
FS 626.9744
Matching.
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See also
Other common denial reasons
Subrogation Failure Denies Recovery
Another common reason a Florida property claim is denied.
CAT Team Lowballed the Claim
Another common reason a Florida property claim is denied.
Replacement Cost Conditions Unmet
Another common reason a Florida property claim is denied.
Earth Movement Exclusion
Another common reason a Florida property claim is denied.
American Integrity Scope Reduction
Another common reason a Florida property claim is denied.
Mercury Delayed Response Pattern
Another common reason a Florida property claim is denied.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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