Does homeowners insurance cover water damage due to leak?

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PostPosted: Wed Jun 30, 2010 8:12 pm   Post subject:   

Adel,



Normally, yes. There are always a number of factors that come into play with any claim. The details of the damage and how it occurs and the type of homeowners insurance coverage you have, are normally the biggest determining factors. So, it is difficult to give definite answers on questions like this. But, if a water line suddenly bursts and causes water damage in your home, it is very often a covered item under your homeowners insurance policy.

As always, contact your agent or insurance company to find out for sure if there is coverage.



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PostPosted: Tue Jul 06, 2010 3:08 am   Post subject: Leaking washing machine  

I have HO-06 condo policy with liberty mutual. Similar to other posts, my washing machine suddenly started leaking and soaked under the laminate wood floors and their under-pading. I stopped the leak as soon as I saw it and proceded to soak up and clean all the surface water, and even under a small section of the hardwoods that I pulled up. It was then that I realized how extensive the wetness had become- it spread all around and into the next room under carpet. The contract I called said my entire flooring would need to be replaced. Will my HO-6 cover cost of drying and floor replacement? The only exclusions I see are water damage from flooding, and backed up pipes. Any tips on how to deal with the claim? I'm still waiting on an adjuster to call me back. When I first reported it, the person on the phone kept calling it back up even though I was clear that it was leaky hose, not backed up pipe. However, they all said "Yes, that is typically covered, but I cant guarantee anything etc"


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PostPosted: Tue Jul 06, 2010 4:15 pm   Post subject:   

billbrad,



That will be something that your adjuster will have to discuss with you. The person who took the initial claim report normally will have nothing to do with settling the claim. So, I wouldnt be too concerned about their initial comments.



This doesnt sound like water backup. It does sound more like a slow leak. Dripping water line over time, instead of a sudden burst that floods the home.



The first step is to stop the leak, which apparently you did. Thats good.



The next is to report the claim. Which you also did.



Now you need to communicate with the adjuster to determine the type of coverage you have. If your adjuster doesnt contact you this morning, I would call them to touch base and get things started.



In the meantime, if you are concerned about the type of coverage you have, I would contact your agent. They should be able to discuss this with you and give you a good idea of what to expect.



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PostPosted: Thu Jul 08, 2010 11:13 pm   Post subject: Water Leak  

In January, our downstairs closet ceiling collapsed because water from the upstairs bathroom leaked through. The insurance company indicated that it was a prolonged leak and was not covered (this was back in March) AND that there was a construction defect (no proper bracing in place). Then they tried to claim that they would not renew us because there was no proper bracing in place unless we got the homebuilder to determine that there was proper bracing in place. The homebuilder wrote a letter stating that the bracing was in place and the insurance company renewed us. Since the insurance company denied our claim the first time, we began to attempt to repair the damages...when we removed the tile in the bathroom, we found BLACK MOLD. We called in a mold expert and he confirmed it was mold. He further indicated that if there is MOLD there, there may be mold throughout the bathroom, under the tile AND in the drywall.



Our insurance policy indicates that

"PERILS INSURED AGAINST...constant or repeated seapage of water or the presence...over a period of weeks, months,...and the resulting damage is unknown to all "insureds" and is hidden within the walls or ceilings or beneath the floors..."

Does that mean that my mold is covered or not covered..WHAT DO I DO NOW???



I live in NEVADA


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PostPosted: Fri Jul 09, 2010 3:09 pm   Post subject:   

I would contact your agent and discuss this with him/her. Tell them about the clause that you indicated above and ask him to explain why the water damage was not covered. It sounds like you may have slow leak coverage. But, it is impossible for me to know for sure.



Unfortunately, most policies now include a total mold exclusion. So, you are probably not coverage for that. But, I would also discuss this with your agent to be sure.



You can also call the insurance company claim department and ask to speak with the supervisor of the person that handled your claim. Explain the situation, tell them you believe that your policy indicates that this water damage loss should have been covered. If they indicate it is not covered, ask them to show you in the policy why it is not covered.



This is a tough situation, but you have reasonable questions, that the company should be happy to discuss with you. Besty of luck to you.



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PostPosted: Sun Aug 01, 2010 6:26 pm   Post subject: Water leak damage  

Have rental property that I am paying a property manager to handle while living in another state and at times, in another country. The property manager emailed me/ called me several times to tell me that my property had water damage due to leaking while renters were living in the rental property. I immediately contacted my homeowner's insurance company to file a claim and was told that the claim was denied. How should I prceed with this situation? Shouldn't this be the responsibility of the property manager; afterall, the property manager is payed to manage my property. Basically, I am curious as to who should be held responsible for the cost of damages?


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PostPosted: Mon Aug 02, 2010 1:42 pm   Post subject:   

Today's adjusters are equipped to tell you if a damage has surfaced recently and all of a sudden, or if it's been caused over a period of time and the loss sustained accordingly. To tell you the truth, you should be compensated for a damage that has not been caused out of your negligence and informed as soon as it got detected. Home owners are responsible if it's solely a maintenance issue.

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PostPosted: Wed Aug 04, 2010 10:24 pm   Post subject: asking ins.co if Iam covered  

i called my agent told them we were without power for 20 hrs. during a storm. pumps did not work because of no electricity. water damaged our carpet. They told me to call claims . I called claims and said i am wondering if I am covered we were without power for 20 hrs. and explained

the same thin. She said oh you have gold star an adjuster will contact you for an appointment. The adjuster came out took pictures,measured talked about how they would do a mold prevention and so on. he also told me to throw my padding out. From the time I called everyone asking if I was covered until nine days later was I told that I was not covered for flood damage. Everything sat thinking they were going to take care of it, when had I been told right away that I did not have coverage I could have had people take care of it when it happened. Are they at fault for not letting me know right away that I wasn't covered when I could have saved my carpet but not after it sat for nine days.


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PostPosted: Sat Aug 07, 2010 6:05 pm   Post subject:   

Quote:
From the time I called everyone asking if I was covered until nine days later was I told that I was not covered for flood damage




OK, so you are not covered for flood damage. Most people are not. Nothing prevents you from removing the damaged (or other) property to prevent additional damage. (In fact, you are expected to do just that. Read your policy.) If you spend money to remediate water damage, and it ends up that you have coverage, the insurance company will reimburse you minus your deductible. You had nothing to lose. It was your choice to do nothing. Did you even ask if you should do anything while waiting?



If your policy would cover property damage that resulted if the pumps were working properly, then you may have coverage due to the electrical outage. But you have to read your policy to know how that is covered or if it is excluded.



Normally, stormwater damage is not covered unless as a contingent loss due to a covered loss -- your house catches fire, burning a hole in the roof or exterior wall and rainwater intrudes. Or wind knocks over a tree which tears a hole in your roof, and the rainwater comes in. Those events are covered losses.



Your damages are probably not covered, if due to the intrusion of stormwater alone, pumps or no pumps.


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PostPosted: Thu Aug 12, 2010 8:08 pm   Post subject: roof leakeage from reain  

I have noticed with our last big rain storm that i have two areas in my home that have water leakage i have had my handyman ck out what is going on.. might i add that this home is over 80yrs old and the two spots where the leaking happens are additions. my handy man has advised that i need to put new shingles on the additions and or tar is any of this covered by my ho ins i have only lived in the res for 4 years and have an fha loan so the roof had to be certified b4 i closed. and i have the adjuster coming out in the am... my floor is warped in the spots where the water has leaked in the house i really dont understand my ho policy i tried to call my agent who is very unhelpful and suggestions.....

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PostPosted: Thu Aug 12, 2010 8:18 pm   Post subject:   

Roof leaks are normally covered under homeowners insurance, as is the interior damage that is a result of the leak.



The only problem you may run into is that something must happen to the roof to damage it for it to be covered. Such as a hail storm or wind damage. Since you indicated the home is 80 years old, I have no way of knowing how old the roof is. If the roof is beyond its useful life, in age, and there is no apparent damage that caused the leak, it could just be worn out and that could be considered a maintenence related issue and coverage could be in question.



That being said, most of the time something causes the leak and your home insurance will cover it.



You have already done the right thing by arranging for an adjuster to come out and look at the damage. They should be able to determine the cause of the leak and help you through the process. For now, be sure to do anything possible to minimize the damage.



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PostPosted: Sun Aug 22, 2010 10:56 pm   Post subject: leak  

inbetween the upstairs floor and kitchen celing now pipes should be there. may be and air condition duck, and about 5 to 7 feet from that is the leak arount the kithen light will my insurance cover this under dwelling or all losses.


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PostPosted: Mon Aug 23, 2010 6:14 pm   Post subject:   

Whether or not that type of leak will be covered or not, depends on the type of coverage you have on your policy. Water damage coverage varies from company to company and policy to policy.



Some policies exclude what are called "slow leaks" and limit coverage to "sudden & accidental discharge of water", such as a water heater suddenly bursting. Other policies cover this type of damage.



Contact your company and they will arrange for an adjuster to come out and look at the damage. They will then be able to let you know if it is covered.



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PostPosted: Fri Sep 24, 2010 3:04 pm   Post subject: water damage  

Does a personal auto policy covers water damages from a leaking sunroof?


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PostPosted: Fri Sep 24, 2010 4:06 pm   Post subject:   

Quote:
Does a personal auto policy covers water damages from a leaking sunroof?
First, you are capping a thread about home owners property damage. Second, see my signature. Third, you already asked this question in a separate thread.


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