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 Posted: Mon Mar 15, 2010 3:36 pm Post subject: what constitutes an act of god within insurance industry |
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| new home built in the last six years leaking water from outside into my garage and fron living room/foyer |
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ellent47
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| Posted: Mon Mar 15, 2010 4:10 pm Post subject: |
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First, I never liked that phrase. As long as it stayed within the insurance industry, it made sense. It is supposed to mean that no one is at fault.... somethings just happen. It applies to liability claims, not 1st party claims as you are mentioning.
This is why I don't like the saying... it seems to apply to anything beyond someone's control.
In your situation the question is... is there damage that is causing the water to leak and was that damage sudden and accidental. If it's something like poor workmanship or the house was built incorrectly, then there is no coverage for the problem itself. The resulting water damage is probably covered (though, it might be denied as an ongoing problem. You mention it's been going on for 6 years). |
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tcope
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| Posted: Mon Mar 15, 2010 4:10 pm Post subject: |
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Tornado, Hurricane, Fire and Brimstone etc.
Leaking water is not an act of God. Leaking water is a result not a cause.
What is/was the cause of the leaking water? |
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Trench
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| Posted: Tue Mar 16, 2010 3:32 pm Post subject: rain |
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home built 6 years ago rained a lot two days ago just noticed water damage in garage and in front foyer of living room 
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ellent
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| Posted: Tue Mar 16, 2010 3:32 pm Post subject: rain |
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home built 6 years ago rained a lot two days ago just noticed water damage in garage and in front foyer of living room
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ellent
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| Posted: Tue Mar 16, 2010 3:50 pm Post subject: |
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| Water seeping into the home is not covered under a home owners policy (flood). If nothing caused damage to the home then only the resulting water damage would be covered. Water needs to be removed immediately. |
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tcope
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