Farmers Insurance Group Denied My Water Claim!! Northridge, California

On 2/25/12, I witnessed my kitchen floor was wet and when I steeped on the lamination wood water came out of the cracks. On 2/26/12 I called the plumbers and 3 hours later they found out the problem is the copper pipe coming from the dry wall of the house to the dishwasher. I stopped the water leak and removed the pipe. Monday, 2/27/12, I called my insurance company Farmers and started a claim for water damage, and today 2/29/12 a Farmers' appraiser, a Farmers' agent and inspector came to my house. They checked and took pictures. I explained what happened and they went under the house foundation since my house is a raised foundation. They said it's really wet and looks like rot on the wood of the foundation and the laminated wood flooring is wavy.

They told me this leak is a long term leak, which is not. This all happened 1-2 weeks in time at most! I purchased my house on July 31, 2011. And from the home inspection I have it written, that kitchen floor looks good and no sign of defects or wears. I told Farmers to write down for me that with their knowledge when this leak took place since they are saying long term leak. They denied writing a letter when they there by me. I even asked their inspector if this is possible of happening within 3-7 days; he said yes and the laminated wood will cripple even in a day.

Farmers denied my claim and stuck with his knowledge saying this is an on-going leak for a long period of time! They said they cover sudden burst and damage. I told them I noticed the floors wet on Saturday. I called the plumbers next day and you guys arrived 4 days later and your inspector said it's possible it can happen within 1-7 days and yet he's still saying this is on-going leak for a long period of time! Oh, yeah, and their period of long time leak is anything more then one day!  I will not stop in till i get my rights!