Does homeowners insurance cover water damage due to leak?

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PostPosted: Thu May 05, 2011 5:11 am   Post subject:   

What caused the leak? A leak "from outside" is not descriptive. Mold is now excluded from coverage on most dwelling policies across the US, and is likely not something covered by the association CC&Rs. If that is true, then no one other than the tenant/occupant of the dwelling in question is responsible for the mold remediation.



However, if the "leak from outside" was caused by something that is the responsibility of the association, such as irrigation pipe or rain gutters, then the association may be liable for the damage. That could result in an assessment against all other owners if not covered by insurance.



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PostPosted: Wed May 25, 2011 8:28 am   Post subject: burst pipe insurance claim  

Hello everyone,



l just recently had my kitchen refitted sometime ago and in the process discovered a burst pipe in the walls

behind the kitchen unit. This was reported to the council and the burst pipe has been fixed. The house is ex-council property.



The council plumbers who fixed the burst pipe said the leak has been in the wall for years as they could tell from

the rust on the broken pipe and damage to the walls outside.



l recently just tried to claim on the buildings insurance for all the repairs(changing the rotten doors,putting new plaster on the walls and complete tiling of kitchen and bathroom). I informed the Insurer that the council plumbers said the leak has been there for years.



The Insurer have now written back to say my claim is void as "Failure to notify the Insurer of any claim within 90 days of the occurence will void the claim".But l informed them within 3 weeks of finding out about the leak.



l don't understand how they could say this, as l only found out about the leak after removing the kitchen cabinet and sink which was sitting in front of the wall where the leak was buried deep inside the wall.



Was l wrong to tell the Insurer that the council plumbers said the leak has been there for sometime



Please l would like advise and comments,



Thanks all


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Aruna_DinDan
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PostPosted: Tue May 31, 2011 9:13 pm   Post subject:   

A long term leaking pipe is not the responsibility of the insurance company. It is a property-owner's maintenance issue. The insurance company is responsible in the event of sudden rupture or tearing apart of water lines. That's the reason for your claims denial.



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PostPosted: Tue May 31, 2011 9:22 pm   Post subject: Sagging ceiling  

I have a HO 07-A policy will this coverage apply to a pipe that is leaking somewhere in my bathroom and is causing a bubble to form in the ceiling in my kitchen I can,t call a plumber because I don,t have any available funds.


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PostPosted: Thu Jun 02, 2011 9:19 pm   Post subject: yYHDvNMQhxfIz  

About3354.. Bully Smile


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PostPosted: Fri Jun 03, 2011 6:40 am   Post subject:   

Quote:
I have a HO 07-




HO-7 is for mobile homes. Your bathroom leak is causing a problem in the kitchen?



Even if your policy would cover the leak, the fact that you know it exists and are not doing anything to stop it will result in the claim being denied as a violation of the terms and conditions of your coverage.


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PostPosted: Sat Jun 11, 2011 7:24 pm   Post subject: TOILET LEAKAGE  

UPSTAIRS BATHROOM TOLIET LEAKS OVER PERIOD OF TIME NOT VISIBLE NAKE EYE UNDERNEATH FLOOR UPSTAIRS. AGENT REPORTING MAINTANCE DO UNDERSTAND HOW MAINTENCE NOT VISIBLE CAN BE MY

RESPONSIBLITY. PLEASE REPLY.


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PostPosted: Mon Jun 13, 2011 5:21 am   Post subject:   

It's not a matter of "responsibility" -- it's a matter of the definition of "water damage" as far as your policy is concerned.



To be covered by insurance, the water damage must be due to the sudden, unexpected discharge of water -- as in a burst pipe, broken hose, or similar occurrence (as in your child decides to take a bath, starts to fill the tub, and then forgets that the water is running while she spends the next two hours talking -- er, texting -- to a friend on the phone). A persistent leak over time does not fit this definition, and the resulting damage, which has also been occurring over time is not covered.



An unresolved persistent leak is EXPECTED to cause damage. Insurance is not for the EXPECTED things in life , it is for the UNEXPECTED (other than coverage for death in a life insurance policy -- it should really be called death insurance, but then no one would want it).



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PostPosted: Mon Jun 13, 2011 4:58 pm   Post subject:   

I had no insurance and my waterheater broke and damage the apt on second floor, owner of second floor had insurance, how will the insurance calculate my payment will they go with the highest estimate.


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PostPosted: Mon Jun 13, 2011 6:04 pm   Post subject:   

It doesn't matter how the insurance company calculates the loss, the damages are fully your responsibility. It would be up to you to disprove the value of the loss.



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PostPosted: Mon Jun 27, 2011 1:59 am   Post subject: New home with leaking pipe.  

I bought my house the very beginning of this year and noticed around February/March that my downstairs half bath had a water stain that soaked through from the ceiling down to the wood floor which warped the floor boards. I also had a puddle of water in the basement as a result of this same leak. The upstairs master bath had a constant drip from the bathtub pipe. Apparently the "O" ring had a crack in it. The plumber came immediately and fixed the ring. Finally, after a few months, the plumber's insurance adjuster came out and looked everything over. He claimed the floor boards needed to be sanded, stained and finished throughout the entire downstairs because "continuous" floor plan we have. He said that it looked like the walls and ceiling will need to be spot sealed, primed and painted. The insurance company agreed with the adjuster and emailed me the claim covering everything I had just written plus a little more to remove appliances, toilets, sinks, etc... My concern is the hidden damage that a three month dripping leak may have caused. I am concerned about the water damage on the inside of the ceiling, wall and in between the floor boards and plywood that may be wet. It seems that the insurance is covering the costs to "cover up" any and all damage that is noticeable to the eye, but what about the rest??? I expressed my concern about mold and mildew to the insurance company and they flat out told me that mold and mildew is not covered under the insurance. They also told me not to be concerned because the adjuster didn't think that there would be an issue of mold and mildew with a leak of this nature. What should I do? What are my rights? Should I get my lawyer involved? I am asking these important questions because my house is still under the one year warranty and I just want it to get repaired correctly the first time and not just covered up. I would feel much better knowing the damaged wall, ceiling and floors were replaced to eliminate any chance of mold and mildew in the future.


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PostPosted: Mon Jun 27, 2011 7:32 am   Post subject:   

Quote:
My concern is the hidden damage that a three month dripping leak may have caused.
and
Quote:
they flat out told me that mold and mildew is not covered under the insurance.
and
Quote:
What are my rights? Should I get my lawyer involved?
and
Quote:
I would feel much better knowing the damaged wall, ceiling and floors were replaced to eliminate any chance of mold and mildew in the future.




Have you even read your contract? Is it homeowner's insurance or a home warranty?



Your plumber's insurance company is not responsible for damage that results from a leaky pipe unless due to the plumber's negligence. Your homeowner's insurance (or home warranty) most likely excludes mold as a covered loss -- those claims have generally NOT been covered by insurance for more than 15 years.



You have the right to make whatever kind of repair will make you happy. If you don't have enough money from the insurance company, then you will have to pay for the repairs you want with your own money. That's one of the joys of homeownership.



We would all "feel better" using insurance company money to pay for things we wanted, but insurance companies only pay for things covered by their contracts. In that regard, homeowner's is not different than health insurance when it comes to elective cosmetic surgery.



Obviously, you won't know what damage lurks behind the wallboard unless you remove the wallboard. Homeowner's insurance will pay for the repairs if the damage was caused by the sudden and unexpected bursting of a pipe, but not the effect of a persistent leak, which is a maintenance issue. But if the issue behind the leak was solved, the rest of the damage, if not covered, is like the cosmetic surgery. You can have all you want done on your own dime.



A home warranty may provide slightly different coverage, but it, too, will probably not cover mold remediation unless it is due to a catastrophic failure.



Until you've taken 10-30 minutes to read your insurance contract, involving an attorney at this point is a waste of time and money. After you've read your contract, if you have a different opinion compared to the insurance company's claims department, you should take it up with them first, and only if you come to an impasse would you want to consider involving an attorney. But not if it's clear in the contract that your damages are not covered.


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PostPosted: Tue Jun 28, 2011 7:23 pm   Post subject: leaking pipe behind cistern  

I noticed a leaking pipe behind the cistern in my main bathroom. However it may have been present for a couple of days since it had caused damage to the underlying ceiling and soaked my boiler in the uttility room. My property is nearly 4y old and when I called out the plumber he said the leak was possibly due to the pipe not put together properly in the first place when the home was built. Would the damage from the leak be covered by my home insurance?


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PostPosted: Wed Jun 29, 2011 12:29 am   Post subject:   

Iit might possibly be covered by homeowner's -- but not the repairs to the leaking pipe. But, if your home is only 4 years old, it may be governed under state contractor's laws.



Here in California, a contractor must stand behind his work for 10 years. If the pipes were not soldered correctly, it would be his responsibility to make the repairs and cover other damage. His commercial liability policy will pay the claim in such a case.



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PostPosted: Wed Jul 27, 2011 8:49 pm   Post subject: Central AC  

Our central air broke (in the ceiling) and caused major damage to the master bedroom ceiling. Is the repair of the CA or the leak in the bedroom covered by a homeowners policy? Thank you in advance.


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