Insurance claim: Who is being unreasonable (me or adjuster) (floors, window, ceiling)

[Joey2k]

I live in a first floor condo. I have water damage to interior perimeter wall of bathroom that appear to have been caused by a leak (the guys doing the repairs believe it was from an old leak that isn't currently active).

Adjuster says it is something that would be covered, but that they will not pay for any repairs unless I can identify the source of the leak. There are several floors and several units above me, any of which could have had a leak at one time, plus the interior space between units that the HOA is responsible for. The adjuster literally told me I need to hire a plumber and have them go knock on all my neighbors' doors above me and ask to poke around their plumbing, even cut into their walls if necessary to find the leak (which probably no longer exists).

I understand the adjuster wants to make sure there is no current leak so that there are no new damages 6 months from now, but I don't think what they expect from me is reasonable at all. This is my first time living in a condo so I'm not sure how this is supposed to work, but it seems like they're trying to weasel out of paying anything by placing ridiculous and impossible conditions on me.

[K'ledgeBldr]

You’re having repairs done to a wall that was “clearly damaged” from and “old” leak???

And your making a claim on insurance???

And you don’t see the “problem”? Really???

[Joey2k]

Originally Posted by K'ledgeBldr

You’re having repairs done to a wall that was “clearly damaged” from and “old” leak???

And your making a claim on insurance???

And you don’t see the “problem”? Really???

No. I reported it as soon as I became aware of it

[LizfromtheBronx]

Why should your insurance company pay for something that is most likely from before their policy with you was active?

I live in a co-op, which is similar to a condo. If, when I took possession of the apartment, I had found evidence of old damage, I wouldn't put in a claim, that window is closed. The time to address that would have been during the final walk through before selling at the latest. Once that happens, it's basically "as is".

After I moved in, I noticed evidence of a ceiling repair in my bedroom. No way to know when it happened. But I could certainly never call my insurance company and ask them to pay for any touch up repairs to it.

[Ted Bear]

Sounds like an issue for the property manager/condo board to deal with. Very difficult for you as the owner to poke around in other people's homes, although i can see why it is necessary.