I’m sorry to hear about your situation. A $20,000 bathroom repair is a significant expense, especially when you have maintained landlord insurance. Before taking legal action, I would recommend requesting a written explanation from your insurer outlining exactly why the claim was denied and carefully reviewing your policy coverage. You may also wish to seek an independent plumbing assessment and obtain a second quote to ensure the proposed repair costs are reasonable.

Water damage can be complicated, as insurance policies often distinguish between repairing the source of a leak and repairing the resulting damage. Understanding that distinction is important before deciding on your next steps.

For anyone dealing with similar issues, professional Water Damage Restoration Orlando services can help assess water damage, document the affected areas, and assist with the restoration process.

I hope you can get a fair resolution to your situation soon.