Insurance company denies Phoenix homeowner’s flood claim, leaving home unlivable


PHOENIX (3TV/CBS 5) — Vince Melchionno says that’s not how his garden should look. “Those are things that I had to remove,” Vince told On Your Side as he showed us around his garden. “The carpet, the furniture, the flooring. Everything is here. Following a recent flood in his Phoenix home, Melchionno had to rip out his floor, baseboards, and just about everything that was soaked inside and remove it. It was an overwhelming task. “I didn’t know how to go about it. I mean it was a lot to overcome. I was like, “Uh oh,” Melchionno said.

Melchionno vacations at his Phoenix home from out of state and travels frequently. But in June, while he was away, he received a call from a neighbor who told him that water was leaking from his house and turned off the main water valve on the side of the house. house of Melchionno. “Hey, it’s nice to have neighbors like that,” On Your Side’s Gary Harper told her. “Yeah, she’s been looking after my property for nine years,” Melchionno replied.

But while Melchionno has a good neighbor, he says he can’t say the same about the insurance company. State Farm’s slogan is “Like a good neighbor, State Farm is here.” But Melchionno says the insurance company is not very friendly at all. Melchionno says after he submitted a flood claim to pay damages for what he believes to be over $20,000, State Farm denied it and Melchionno says he can’t believe why. It has to do with a small crack that developed in one of Melchionno’s toilets while he was away. In the denial letter, State Farm writes, “…the damage to your home was caused by a slow leak of water from a crack in the toilet tank located in the hall bathroom. The small crack allowed water to drain slowly for an indefinite amount of time…causing mold and wet/dry rot. They go on to say that “these types of damage are not covered by your home insurance policy.”

“Isn’t that what you pay for insurance?” asked Harper. “Absolutely. We’ve been paying on this (State Farm) policy since 1994. Same policy and same agent and we’re in good standing. I’ve never filed a claim with them before,” Melchionno said.

Melchionno says State Farm paid for three days of water removal from his home, but when it comes to all the damage left behind, they’re not paying, leaving this Bostonian frustrated. “It’s a crack, not a leak. It’s a crack. Somehow the toilet tank was cracked,” Melchionno said.

On Your Side contacted State Farm and asked the insurance giant to reconsider Melchionno’s claim. After that, State Farm changed its mind and told Melchionno that they would cover the flood damage after all. Melchionno says he’s really glad he contacted On Your Side. “I’m glad Gary Harper got involved because without him none of this would have happened, I know that. I mean he went all the way to Chicago. Whoever was there, dominated the people here “said Melchionno.


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