I had water damage to my kitchen floor. The adjuster never went under the house to see for himself. Instead he used pictures my exterminator sent to me. Turns out that the damaged area is neither accessable nor viewable from under the house so the pictures are not of the area I am claiming. Citizens denied the claim stating that the leak occurred over a period of more than 2 weeks ("whether seen or unseen") and using the condition of the wood in the pictures as proof of the extended period over which the damage occurred. When the contractor discovered the error, I notified the Citizens adjuster who simply told me the denial still stands. The water came from a slow leak in the water line to the ice maker that saturated the floor and subfloor starting behind the refridgerator.