flash damage

by estallings741 » Thu Aug 02, 2012 02:34 pm

i guess due to storms heavy rain my house ceiling has hole. i am told due to flash? i dont know what to do if not covered...was shocked yesterday as water came in behind wall... please help

Total Comments: 8

Posted: Thu Aug 02, 2012 04:12 pm Post Subject:

Your disjointed message is not comprehendable. Please re-submit your question in a manner that can be understood.

Posted: Fri Aug 03, 2012 12:17 am Post Subject:

Please help with what? Ditto on AO's post.

Posted: Sun Aug 05, 2012 06:47 am Post Subject:

I suspect that "flash" was intended to represent "flashing". If a flashing is defective, it will admit water into the attic space which can, in turn, result in a hole in one's ceiling.

It won't be covered by insurance, since it is a maintenance issue and not the sudden, unexpected flow of water.

Posted: Sun Aug 05, 2012 10:03 pm Post Subject:

I see a steady repeated incorrect response to water damage claims on this forum. Leaking flashings are indeed covered under the HO-3 and HO-5 forms in all states that I know. The resulting water damage is covered with the flashing repair not being covered. This is the case in all "ALL RISK" policies. There need not be physical sudden and accidental exterior damage for the sudden and accidental interior damage to be covered. Now contents in both forms are "NAMED PERIL" and therefore are specifically excluded from coverage.

Posted: Sun Aug 05, 2012 11:46 pm Post Subject:

The resulting water damage is covered with the flashing repair not being covered.


Now that just makes no sense. The water damage, by itself is not covered. If the flashing is not covered, why is the water damage covered? It would make sense only if the flashing were covered. Then the water damage would be a contingent loss.

Posted: Mon Aug 06, 2012 01:06 pm Post Subject:

You should probably check the HO series of policies. Under wind and hal damage of the "Named Peril" section, interior damage is specifically excluded absent a "wind created opening". In the "All Risk" policy, this exclusionary language is not present.

Posted: Mon Aug 06, 2012 07:12 pm Post Subject:

Well, who said anything about wind or hail damage? If the flashing is simply deteriorated and leaking, this will not be covered under even an all-risk policy since it represents a maintenance issue.

Posted: Mon Aug 06, 2012 07:50 pm Post Subject:

In an "ALL RISK" policy, interior damage to the structure from rain is covered regardless whether it arises form a flashing or valley or etc. In a "NAMED PERIL" policy there is a policy provision which expressly denies interior damage unless there is a "wind created opening". Roofs do not leak on sunny days so there must be a windstorrm/hailstorm for it to leak. I suggest that you check FC&S Bulitens(ask someone if you don't know what they are or do not have access to them) and/or ask an adjuster you trust. I see you are a life and disability agent/analyst. Obviously this subject is outside your area of knowledge.

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