| Message |
Author |
|
 Posted: Mon Jul 06, 2009 1:24 pm Post subject: dish washer door seal leaked |
|
|
| the water leaked under the kitchen cabinets undetected, the water made its way to the dining room which is on the other side of the kitchen cabinets, it was between the rug padding and the floor, it wasnt really noticable, in time enough water caused a area saturation and when I lift the rug I saw the damage to the underlayment padding and the rug. it nees to be replaced, already bought a new seal for the dishwasher. Would the damage be covered? |
|
jack_3600
New member
Joined: 06 Jul 2009
Posts: 1
1.68 Dollars($)
|
|
| Posted: Mon Jul 06, 2009 2:34 pm Post subject: |
|
|
Not under the auto policy, which is where this is posted.
Most property policies are going to cover the resulting water damage. |
|
tcope
Forum Expert
Joined: 22 Nov 2006
Posts: 5063
Location: Salt Lake City, UT
272.29 Dollars($)
|
|
| Posted: Tue Jul 07, 2009 3:53 am Post subject: |
|
|
The question really depends on how long the water had been running to cause the damage. Some companies will just pay with no real investigation. Some will use the resulting damage to determine how long the water had been running under there. Mold, rot, or just warped underlayment. Sudden or long term.
_________________
Can I say I’m working if I stare blankly at my computer all day? |
|
Dasfuk
Senior member
Joined: 27 Feb 2008
Posts: 597
Location: Ohio
24.03 Dollars($)
|
|
| Posted: Tue Jul 07, 2009 8:17 am Post subject: |
|
|
Dear Jack..
See, an insurance carrier would only cover your damages that have been unforeseen and not caused due a long term negligence (which if you'd repaired in time could have avoided such damages).
Now, would you care to tell me what could have caused this 'leak'?
Is it an old one that grew bigger?
Steven |
|
steven
Senior member
Joined: 02 Feb 2006
Posts: 1553
215.65 Dollars($)
|
|
| Posted: Tue Jul 07, 2009 10:00 am Post subject: |
|
|
Hi Jack, when did you notice the damage? Were you not aware of the leaking door before it damaged the rug?
As far I know only accidental water damages are covered under homeowners policy and it specifically excludes damages caused by gradual seepage of water.
Thanks,
Rupert |
|
RupertWBradson
Senior member
Joined: 05 Jul 2007
Posts: 703
131.50 Dollars($)
|
|
| Posted: Tue Jul 07, 2009 11:14 am Post subject: |
|
|
Jack, the following wording in your post will definately hurt your chances of this damage being covered, | Quote: | | it wasnt really noticable |
| Quote: | | in time enough water |
Most (all I've seen) HO policys say that the damage has to be 'sudden and accidental' they will further state that gradual deterioration or a water leak that is not sudden is not covered. As Dasfuk stated, some carriers will not properly investigate it, (cross your fingers  ). If it has been leaking for a period of time, then it will most likely be denied, dependent of course on the policy language. It will come down to how long it's been going on, and if you could've or should've known it was happening.
Is this wall to wall carpeting? How much is the resulting damage? Is it over your deductible? If so, by all means turn in the claim. That's the only way to know for sure. Do let us know.
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
