Does homeowners insurance cover water damage due to leak?

[ Join discussion ]

Message Author
PostPosted: Thu Sep 24, 2009 12:04 am   Post subject: We are probably in trouble  

I googled "continuous leak" because that is what our adjuster just said about our situation. Our hot water heater was in the back of the crawlspace. It has seeped steam up into the crawlspace, ruining our floors. We did not know about it until the floors buckled. Then we had the roof checked, and the refrigerator checked. A small leak was found in the refrigerator and we paid to have it fixed. Then the floors seemed worse, so my husband checked the roof again. Finally, he thought about the hot water heater.



I feel like crying. Is it legal to burn your house down (after cancelling the insurance, of course) on your own farm? We will not be able to afford the repairs.


_________________
Register Now to have your Insurance queries solved.
Former Homeowner
Guest





1.00 Dollars($)

PostPosted: Thu Sep 24, 2009 12:56 pm   Post subject:   

I suppose if you got a burn permit it would be legal. I'm so very sorry...



_________________

"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
Forum Expert
Forum Expert
Lori
Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Tue Oct 06, 2009 5:11 am   Post subject: Policy Coverage  

Be careful in filing a water or leak claim that might or might not be paid. The insurance company will record the claim as "Close Without Payment or CWP". The claim report will be kept on file or recorded with CLUE INSURANCE DATA BASE.



A MUST READ BY HOMEOWNERS AND AUTOMOBILE OWNERS.


_________________
Register Now to have your Insurance queries solved.
EZ ADJUSTER
Guest





1.00 Dollars($)

PostPosted: Mon Oct 19, 2009 12:28 pm   Post subject: water leak by toilet valve  

Will insurance cover for water leak by toilet valve and damage the ceiling under the toilet room?



thanks,


_________________
Register Now to have your Insurance queries solved.
someone
Guest





1.00 Dollars($)

PostPosted: Wed Nov 11, 2009 5:36 am   Post subject: leaks in homes vs. fire?  

Do you have the increased chances one has to have a water leak in their home versus having a fire? I would guess there are 50 or more water leak damaged homes (from plumbing, not hurricane damage etc.) for every fire in a home??? If you can e-mail the answer to this question, I would really appreciate it. (link removed by moderator)


_________________
Register Now to have your Insurance queries solved.
Jay
Guest





1.00 Dollars($)

PostPosted: Thu Nov 12, 2009 5:07 pm   Post subject: Leaking pipe  

Would a leaking pipe in a wall with no visable signs of water damage until now be covered or is that still negligiance?

Problem is in my bathroom behind the wall mirror and vanity there is a pipe I'm thinking conected to the water heater which is behind the wall has been leaking for awhile I just found a bubble on the wall and when I pushed on the wall it caved in and behind it there is lots of black mold and is very damp. Last year we had our heater replaced and I think they may have bumped the hot water heater and that may be when it started not sure. Question would this be covered under the homeowners ins?


_________________
Register Now to have your Insurance queries solved.
Rancho Cucamonga
Guest





1.00 Dollars($)

PostPosted: Sat Nov 14, 2009 1:22 pm   Post subject:   

Quote:
Question would this be covered under the homeowners ins?
This will be "iffy" but most certainly turn it in...(quickly)


_________________

"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
Forum Expert
Forum Expert
Lori
Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Wed Nov 25, 2009 5:21 am   Post subject: Leaking pipe in a condo - not my pipe.  

Now here's a bit of a twist to the leaking pipe claims. I own a ground floor condominium with two units above me. Sunday, I noticed damp carpet in the bathroom. Felt around for a bit until I felt spongy drywall (no visible signs of moisture). Called in a plumbing crew, they opened up the wall and discovered a cracked sewage pipe. The sewage pipe belongs to the two units above me. The "t-junction" just happens to be in my ceiling, and the remainder of the pipe runs down inside my wall. Who knows how long it has been going for, but there is some mold down on the floor of the inside of the wall where the water has obviously pooled.



Sure, maintenance issue is what I'm sure the adjuster is going to claim, but it's not my pipe. When I purchased the unit, I replaced my toilet and inspected all of my sinks and shower drains. My maintenance is up to par.



I've got a "drywall-in" condo owner policy on top of the policy the HOA holds. Who should file the claim, and what's going to happen?


_________________
Register Now to have your Insurance queries solved.
J.J.
Guest





1.00 Dollars($)

PostPosted: Wed Nov 25, 2009 11:30 am   Post subject:   

Quote:
cracked sewage pipe---The sewage pipe belongs to the two units above me.
EWWWWWWW ! Shocked



If you have 'drywall in' I would think this baby would be on the association.


_________________

"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
Forum Expert
Forum Expert
Lori
Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Wed Nov 25, 2009 3:57 pm   Post subject:   

Well, I covered the cost to repair the pipe - $245.00, but the HOA is willing to reimburse that cost back to me. The big problem however, is that I now have water damage from the "slow" leak - including a mold problem and actual sewage water seepage under my flooring and into the drywall.



I have HO-6 insurance, but I do know that insurance companies will deny claims for "slow leaks". Considering that this wasn't my pipe, but the damage did occur in my unit, where's the liability lie?



Thanks for the help.


_________________
Register Now to have your Insurance queries solved.
J.J.
Guest





1.00 Dollars($)

PostPosted: Wed Nov 25, 2009 10:27 pm   Post subject:   

I would still turn this in...true, losses must be 'sudden and accidental' however, you DID act as soon as there was evidence of a problem...I see no way you 'could've' or 'should've' known about this..I think you'll have coverage.



_________________

"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
Forum Expert
Forum Expert
Lori
Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Thu Nov 26, 2009 4:31 am   Post subject:   

The adjuster came out and inspected the damage and immediately told me to have work started. He instructed me to have a contractor that I had bid the work earlier today get in contact with him ASAP. He also told me just to get the contractor on schedule to begin work. Can an adjuster go back on this statement? Nothing was signed, nothing was even written down - what formalities does the adjuster have to abide by now that he has given my clear instructions to begin work?


_________________
Register Now to have your Insurance queries solved.
J.J.
Guest





1.00 Dollars($)

PostPosted: Thu Nov 26, 2009 1:50 pm   Post subject:   

Quote:
Can an adjuster go back on this statement?
Could he? I suppose he could..will he? no...If you're worried, send him an e-mail...going over your conversation, and ask him to acknowledge it by return email that you understood him right, that it's ok to begin work, and your policy will cover it...i thought you'd have no trouble with this claim...this is different than your 'run of the mill' seepage--or slow leak..


_________________

"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
Forum Expert
Forum Expert
Lori
Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Dec 25, 2009 9:58 pm   Post subject: roof/new owners  

realtor says my roof claim would prevent my home from being insured by the new owners ... until a 5 yr. time spand passed..

is this correct?


_________________
Register Now to have your Insurance queries solved.
zazen101@yahoo.com
Guest





1.00 Dollars($)

PostPosted: Sun Dec 27, 2009 12:42 pm   Post subject:   

Why would a five year time period come into play? Are you sure they didn't say until the roof was replaced?



_________________

"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
Forum Expert
Forum Expert
Lori
Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

All times are GMT
 Previous  1, 2, 3, ... 9, 10, 11  Next  
Page 2 of 11

 

Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused