Gary Rosen, Ph.D.
Florida Licensed Independent Adjuster; Building Contractor; Mold Assessor & Remediator
Carriers do not require home inspections because they know that there will be some pre-existing damage. They then deny a new claim based on old wear and tear or limited pre-existing damage.
What can be done to fight wrongful denials based on insurance contract language: Constant and Repeated Seepage Exclusion.