AAA Homeowners Insurance Tim Louck Renter of home involved Riverside Nationwide

I am a renter at the home I live in. I have lived here for 3 years with my ex-husband. I moved in when he moved in. There has been many rainy seasons in this house and we never had a problem. Also, he (my ex has been paying into homeowners insurance with AAA for over 20 years. Now this last rain we had in Dec 2016 before Christmas, I noticed next to my side of the couch the carpet was soaking wet. I told Bob, my ex. To make a claim with AAA. They finally sent out Tim Louck a Property Estimator. He looked at the roof, the carpet (took a picture of a stain) and used a moister meter to let us know there is wet all the way 3 feet across the wall behind the couch between our familyroom and Bob's bathroom. Tim also looked and used his little meter in the bathroom and said there was moister on the floor but not the wall. He didn't think the leak was coming from the roof. He will send out a plumber to check the pipes.

He then started to tell us the bad news. Although we have been paying into AAA for around 22 years now, with homeowners and car insurance this probibly will not be covered. Oh, and we were also informed that we would have to pay a thousand dollar deductable if the claim is approved. Well, I got angry. I told him (Tim) this is the house. The floor is soaked, the carpet is no good and needs replaced as well as the padding and God knows what needs to be done in the walls. What about mold?

Yes, he said it's not in your policy. It's probibly not going to be covered. I got even more mad and started to yell, we've been paying your company for over 20 years etc.

He then told us. I'm not even going to put in your claim. I can't let her (me) yell at our plumbers like that. I told him, I don't have a problem with his plumbers, I've got the problem with AAA and now him.

He still refused to put in the claim. Who does this guy think he is? I'm sure other people have gotten mad at being told their claim will be denied. If you can't take the heat get a different job Tim.

Put in the claim, it's not fair because he got his feelings hurt and took it personal.