Does homeowners insurance cover water damage due to leak?

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PostPosted: Fri Sep 02, 2011 2:56 pm   Post subject:   

Quote:
Would my homeowners insurance cover water damage to my carpeting due to a plugged sewer pipe that caused my washing machine to back up & flood my familyroom?




Unlikely. Sewer backup is usually an exclusion.


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MaxHerr
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PostPosted: Mon Sep 05, 2011 11:42 am   Post subject: New window seepage and leaks  

I had new windows installed after 20+ years in my home. I never had water leakage problems until windows replaced. The 1st issue happened 4 months after the newly insstalled windows. Repair/re-caulking wwas done with the assurance I'll never have the problem again & I was told to paint over the water damaged areas. 4 months later the same issue occurred. I received an appointment for 3 wks after the damage. I noticed mold in 2 windows. Please advise.


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Akua
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PostPosted: Mon Sep 05, 2011 12:06 pm   Post subject:   

If your windows were installed by a licensed contractor, the contractor's licensing authority in your state will assist you to get this resolved. This could result in a claim against the contractor's surety bond.



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PostPosted: Mon Sep 05, 2011 2:52 pm   Post subject: Whirlpool tub leak  

We filled our whirlpool tub with water and held it for 48 hours in case we lost power during Hurricance Irene. Now we notice there is a water mark in the kitchen ceiling below the tub. We assume the tub must have a leak somewhere! The problem is the tub is a corner unit and the builder tiled it in without leaving any access to check the connections. (One side is a built in shower, the other is the vanity and in front it is tiled in). Is this kind of water damage covered under a HO-3 policy?


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ccar723
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PostPosted: Tue Sep 06, 2011 7:05 am   Post subject:   

It would most probably not be covered under your home insurance policy.

However, you can go through your policy to find out if itÂ’s at all possible to get coverage for such leakage damage.


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PostPosted: Wed Sep 07, 2011 4:11 pm   Post subject:   

Depending on your state's contractor law, the original contractor may be responsible for his workmanship for up to 10 years. Check with your state's contractor licensing authority for information on the statute of limitations in your state.



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PostPosted: Sat Sep 17, 2011 2:53 pm   Post subject: leak in hidden wall space  

discovered small leak in fixed wall space behind kitchen sink. after time it mushroomed the cabinets that are now obsolete.


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PostPosted: Sat Sep 17, 2011 9:40 pm   Post subject:   

And did you have a question?



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PostPosted: Sun Nov 13, 2011 6:49 pm   Post subject: Homeowner Claim Denials? Not Paid Enough  

For all of members out there who have been denied by Citizens or other Florida Insurers or simply feel that the amount of money offered was insufficient to get the repairs done (which it probably is), make sure you give me a call or send me an email.



I am a licensed Attorney, Mediatior and Public Adjuster in Florida.



I can help you with your claims and make sure that there is a true advocate on your side.



You can check us out online at:



stellaradjusting .com or handlemyclaim .com



You can always call me at (305) 467-5645


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PostPosted: Mon Nov 14, 2011 12:37 am   Post subject:   

Quote:
"I am a licensed Attorney, Mediatior and Public Adjuster in Florida"



Got most of the conflicts of interest covered.

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PostPosted: Wed Jan 11, 2012 4:06 pm   Post subject:   

When the leak is intermittent or the owner of the unit incurring the damage fails to timely report it, the source of the leak can be very difficult to determine without the help of an experienced plumber or leak detection service. In such a case, the owner of the above unit might deny liability and demand an inspection by the association to determine whether the leak emanates from a common element, despite knowledge of water leaking from their unit. If it appears that there is a good faith basis for the above unit owner to claim that the leak is coming from a common element, the association should undertake some investigation to ensure that the leak is not in any way related to a common element.

When you notice that a pipe leaking continuously so first think is it is very important to immediately shut off the water supply to stop the leak immediately and keep it from damaging other think in your home. After the finding the leaking source you should inform the expert who is expert in this field so he can help you to stop the water damaged and leaking.

so i think if you notice on leak of water so there is no need for insurance, but anyway you should be insuranced so you can easily covered your loss.



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