Does homeowners insurance cover water damage due to leak?

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PostPosted: Mon Oct 25, 2010 7:04 am   Post subject: Exterior Wall/Floor water damage from 35 yr old sink drain l  

Hidden water damage from a sink drain pipe in an exterior wall has damaged over time the wall and kitchen floor. Will homeowners insurance cover this?


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PostPosted: Mon Oct 25, 2010 8:22 am   Post subject:   

Quote:
Will homeowners insurance cover this?
Sometimes... depends on the wording of the policy and the insurance company. Sudden (and accidental) losses are covered. If water is leaking over time, this might not be considered "sudden". Also, many policies specifically exclude water damage that happens over time.


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PostPosted: Tue Nov 23, 2010 5:37 am   Post subject: leekage  

My parents are in their 80's and unable to determine how long water was leaking under their house, causing extensive damage to the floors. Having paid well over $30,000.00 in premiums to the insurance company the past 10 or more years, they were recently denied a claim to repair the floors. What recourse do seniors have if any?


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PostPosted: Tue Nov 23, 2010 5:58 am   Post subject:   

First, see my sig.



Quote:
What recourse do seniors have if any?
Why was the claim denied? I'm guessing flood was not covered if it was from outside the house and/or that it had been on ongoing problem that was not corrected.



It does not matter how much they have paid... the insurance company was assuming the risk, as promised, each and every day those premiums were paid. If your parents had a covered loss the second day of the policy would you expect the insurance company to only pay up to two days worth of premiums?


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PostPosted: Thu Nov 25, 2010 2:58 am   Post subject:   

Quote:
Having paid well over $30,000.00 in premiums to the insurance company the past 10 or more years,


Here's the part about insurance that many folks fail to understand. It is an ALEATORY contract -- there is usually UNEQUAL GIVING AND RECEIVING.



Other than annuities, some forms of life insurance, and possibly some long term care policies, virtually all other insurance premiums are not cumulative -- they don't come with any savings plan. No one offers auto insurance that buys you a new car every 10 years if you don't have any claims. No health insurance policy gives you a free operation every ten years, whether you need it or not, because you had no claims in the past ten years.



You pay for your coverage one year at a time. They promise to cover your claims in that year. No claims, no refunds. But at least you had the peace of mind knowing that if something had happened that was covered by the policy, they would have paid for the loss.



As tcope has said, if this damage is the result of a long-standing maintenance issue, not the sudden bursting of a pipe, or the result of a flood, there is probably no claim payable.


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PostPosted: Fri Nov 26, 2010 4:31 am   Post subject: State farm  

While having Thanksgiving diner, I noticed a odd shadow on my ceiling. Looking closer there are at least 3 others leading to the wall. We have had 3 days of major storms adn temps going from 80 to 19 degrees. I have had State Farm for almost 25 years with no claims. The roof is almost 6 years old(30 yr arch shingles). I called and filed a claim. Can they force me to fight with the Roofers rather than cover the damages?


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PostPosted: Fri Nov 26, 2010 5:03 am   Post subject:   

Quote:
I noticed a odd shadow on my ceiling. Looking closer there are at least 3 others leading to the wall.
I don't think shadows are covered under any policy.



What damage is there and how did it occur?


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PostPosted: Fri Nov 26, 2010 7:37 am   Post subject:   

I think the "shadows" are water stains (wet drywall/plaster). Aside from that, I don't know what the OP is asking about "fighting" with the roofer?



In California, most licensed contractors must stand by their labor and materials for at least 10 years. Most roofing materials have a separate manufacturer's warranty for an even longer period of time. The laws in other states might be very different.



But materials such as galvanized flashings are still subject to corrosion and, as such, that kind of failure may not be covered by an insurance policy.



Contact the insurance company, have an adjuster come to evaluate the problem, and you'll find out to what extent the policy will cover the loss, if it's covered.



No matter what, whether you've been with an insurance company 25 years, 25 months, 25 days or 25 hours, that fact has absolutely no bearing on the value of your loss, whether it is covered or not, or how the claims will be handled.



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PostPosted: Mon Nov 29, 2010 10:04 pm   Post subject: Water Damage Due to Repairs  

My brother was working on a plumbing issue in the home. Turned off the water to change out a toilet kit, changed out the line from the water supply to the toilet tank, silled the areas and layed down for the evening. He let the silicone sit for a couple of hours. Turn the water back on a few hours later and fail back to sleep. I woke up hours later hearing the water runing in the bathroom and found that water was all over the floor, went down to the next floor and then down to the basement.



Would damage to my floors and ceiling be covered if I do not have flood or water backup coverage?


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PostPosted: Tue Nov 30, 2010 3:01 am   Post subject:   

This is not a description of flood or water backup, it is an unexpected, sudden release of water. It's the kind of thing a homeowner's policy will cover. Except . . .



My question is this: What kind of plumbing "credentials" does your brother have?



Changing the water supply hose from the pipe stub to the tank inlet normallyrequires no silicone or other sealant -- it is usually accomplished with rubber or nylon "compression" type seals built into the fittings on the hose ends. Threaded and tightened properly with a wrench is all that is normally required to complete the seal. Adding silicone sealant probably prevented the hose fittings from doing their job. This is even true of those silly, shiny metal flex tubes that are flimsy compared to a real piece of plastic hose or fiberglass reinforced tubing. They all normally have standard 1/2" compression fittings that do not require additional sealant.



If necessary at all, plumbers use a different kind of "pipe dope" or sealant that does not "cure" to seal the threads when required on "NPT" iron, galvanized, plated, stainless steel, or copper pipe fittings. When liberally applied to the pipe threads and properly tightened, it fills in any gaps between the pipe threads and the fitting threads, and creates a solid, but non-drying, waterproof/gasproof barrier.



As such, the damage your brother caused may not be covered by your homeowner's insurance. But, if not, it would be covered by HIS homeowner's/renter's policy if he has one -- because HE was negligent in his installation of the supply hose . . . that is, if he has any insurance.



And make sure he reads and understands the Do-It-Yourself book first the next time.



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PostPosted: Fri Jan 07, 2011 3:06 am   Post subject: water leak after major rain  

Noticed water on living room floor after big rain.

Dried out carpet, took out damaged drywall began to dry it right away called claim into homeowners insurance may have been small leak in roof leaking very little not enough to notice until this major rain. Would it be covered


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PostPosted: Tue Jan 25, 2011 7:12 pm   Post subject: drain pipe  

drain pipe in basement for washing machine has cracked, basement is wet and laundry room floor has standing water, is this covered under any policy?


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PostPosted: Wed Feb 09, 2011 11:16 pm   Post subject: brokenj pipe& supply line are covered  

Thats a broken pipe with a slow leak and hidden behide a wall thats how I would have present this claim. Any broken pipes even water supply lines are covered. If they had given me a hard time with that claim I would have throw the word Bad faith.My company works for the policy holder not the insurance company Any ?????? call 248 288 3444 for free advice


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PostPosted: Wed Feb 09, 2011 11:34 pm   Post subject: trying to help  

last 2 problems yes I would be covered. Insurance would pay for clean up--repair -- damage content. Ins. will try to minamize the damage. any ??? free advice 248 288 3444


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PostPosted: Mon Feb 14, 2011 7:48 pm   Post subject: "Sudden" Leak?  

We have owned our home for 2 years. We have not had any plumbing issues, leaking issues, running water issues- until last week.



Our home is a 2 story building, with the bedrooms and bathrooms on the top floor, and kitchen and living rooms on the bottom floor. The kitchen is directly below our master bathroom. Yesterday I went into the kitchen and found a pool of water on the floor. I looked up at the ceiling and found a big crack and water dripping from the ceiling that hadn't been there the day before.



We contacted a plumber and he believes the water from our shower has damaged our kitchen ceiling. The shower has no visible cracks or leaks but there are two steps leading up into the shower (resulting in the shower being positioned approximately 2 feet off the floor), and the plumber thinks the pipe that rises from the floor up to the shower itself has cracked and caused the pipe to break. Unfortunately he cannot tell exactly where the leak is coming from without tearing out the stairs in order to access the pipe that leads from the shower drain to the rest of the plumbing.



Does this sound like something "sudden" that might be covered? There is no way we could have known of a leak because it is behind stairs that were installed by the contractor that built the house. We only knew of the leak when it "suddenly" broke through the floor/kitchen ceiling and got water over our kitchen floor and shorted out our kitchen lights.


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