Insurance companies screwing flooring guys on claims, anyone else pissed?

Man, I just had a claim go south because the insurance adjuster said the subfloor damage from that LVP install wasn't 'covered under my policy' even though the customer swore it was water damage from a leak. We're out here busting our asses with tools like the Festool Domino for precise cuts on hardwood transitions, and these companies act like we're the problem. Saw a rant in the Flooring Contractors Network group about similar BS with Mohawk vinyl planks warping claims getting denied. I use QuickBooks for bookkeeping to track all this crap, but it doesn't help when the insurer drags their feet for months. TBH, it's making me question if I need to bump up my liability coverage or just eat the losses. Anyone got a good broker who actually fights for trades like us? FML, this industry's tough enough without the suits making it worse.

Haha, adjusters treat us like we're installing gold-plated carpet.

What exactly did the adjuster say about the subfloor?

Switch to a broker who specializes in contractors, they know how to push back on denials.

Mine denied a tile job claim last year, had to eat $800 in materials.

Same here, brother, these companies are vampires sucking us dry.

Insurance is a racket, they're in bed with the big box stores and screw the small guys like us flooring pros.

Feel you, had a similar mess with engineered hardwood claims.

The whole system's rigged against trades, time to union up or something.

Document everything twice, photos, videos, even customer statements.

Try Hiscox, they're better for small ops like ours.

Big insurance hates when we fight back, but we gotta start somewhere.

Document everything twice, photos, videos, even customer statements.

Yeah, same advice, but add timestamps to your pics.

LOL, my last claim was like negotiating with a brick wall.

Don't file small claims yourself, get a public adjuster for anything over a grand.

This crap is why I quit taking insurance jobs altogether.

Insurers are the real crooks, preying on hardworking installers.

Totally get it, had a gouge claim denied on new LVP and it burned me bad.

Ugh, the frustration is real, knees ache from the job and now this.

Hate these adjusters, they're worse than cheap customers.

Same old story, brother, been fighting this for years.

Man, the denial letters make my blood boil every time.

Yep, solidarity with all you flooring guys getting hosed.