I am a Public Adjuster handling a water damage claim in a co-op apartment building. The water caused damage to multiple apartments in the building. A mitigation company was brought in to demo and dry out where necessary. My question is this:

To get to the damaged walls which are wet the kitchen cabinets have to be removed. The cabinets are a betterment installed by the unit owner who unfortunately does not have Insurance. I am stating that to get to the damaged walls which are part of the building, we should be covered under the building's policy to remove and reinstall the cabinets. The building's policy would not cover any damage to the cabinets caused by the water. Also removing and storage of the contents to facilitate the mitigation and building repairs would that be covered under the building's policy also.

New York Subscriber