State Farm Insurance just got back to me about my wet, moldy car. They claim that since it was probably caused by a leak in my trunk (which they claim without ever looking at my car) the problem falls under “maintenance” and they won’t cover any damages. Because apparently you’re supposed to know you have a leak before you have any evidence of a leak. I have comprehensive coverage which is supposed to cover environmental things like wind, hail, flooding, but apparently “rain” or “melting snow” don’t count. They didn’t look at the car at all, they just decided this after my description over the phone.
I’m trying to decide what to do next. Some people have suggested getting a lawyer to write them a stern letter – is this typical for when insurance companies aren’t cooperating? If I file the claim despite them saying I won’t get anything, will that hurt my insurance premium? I feel like I should try something before finding a place who could potentially clean/repair my car and paying for it out of pocket. They couldn’t even suggest a place that might be able to do this.
And for everyone who is asking if they can donate to help, I greatly appreciate it, but let’s wait for a moment. I want to try to get my insurance company to do its job instead of relying on random kindness. And I don’t even know how much this is going to end up costing me.
A couple pics of the moldiness below. A lot of the general moldy grossness is a thin film that doesn’t capture well on camera, but there are some choice disgusting parts:
The standing water, which has evaporated (probably to other parts of the car) quite a bit since I originally saw it. You can kind of see how high it used to be.
Buckle up. All of the seat belts look like this.
How many species can you spot?
Blotches of mold are on the floor, on the seats, in my trunk… Yeah.
I’m going to drown my sorrows in lunch and then try to deal with this in the afternoon. I want to get it figured out quickly so it doesn’t get even worse.