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 Posted: Fri Jul 29, 2011 3:18 am Post subject: |
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It is probably covered. Contact your insurance company.
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MaxHerr
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| Posted: Sat Jul 30, 2011 12:42 am Post subject: water damage |
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I recently was denied a claim because of no flood insurance but yet it isnt a flood. We had the worst storm in history in illinois. Water inside my window well bust the window because of pressure and came into my basement and caused waterdamage....statefarm wouldnt even send an adjuster out...im so sad.
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rajamania
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| Posted: Sat Jul 30, 2011 4:25 am Post subject: unseen water leak in wall |
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do any insurance companies help if a leak occurs from bathroom or kitchen pipes or gaskets and one doesn't know it until there is water on the floor? Bought house 4 yrs ago in AZ...it was inspected, just had turns replaced, but gasket broke under stool. Being denied coverage. Need insurance company that covers such unforeseen items. Insurance company denying is State Farm in Arizona.
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birdbox
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| Posted: Mon Aug 01, 2011 5:51 pm Post subject: |
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"Maintenance" issues are never covered by insurance. What is covered is sudden bursting of pipe, fixtures, etc.
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MaxHerr
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| Posted: Thu Aug 04, 2011 4:43 pm Post subject: |
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We have had multiple heavy storms with rain falling at a rate of multiple inches per hour lately and winds of 70-80mph! We have had rain coming in through what we thought was our window, but have since checked with our window installer yesterday and it's not an issue with the window.
It's an issue with our siding, which is aluminum and we believe, still original (20 years old). We just moved into the house 4 months ago and this started happening recently, so it wasn't an issue that seemed to happen previously. We have identified that there is active water in the wall on that side of the house due to water getting behind the siding.
Is this a situation we can put in a claim for since it's a much larger issue than we thought (i.e. b/c it's siding related) and was due to recent heavy storms? We had our pipes, etc checked with an infrared camera and the water is not related to a pipe issue for sure.
Thanks!
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| Posted: Thu Aug 04, 2011 11:04 pm Post subject: |
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If the siding is 20 years old, it is most likely a maintenance issue and will not be covered by insurance. If the wind had ripped the siding from the house, allowing the rain to intrude, that might be a different story.
Call your insurance company. The worst that can happen is they tell you, "No. It's a maintenance issue, and it's not covered." The best possible outcome is they pay for the damage.
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MaxHerr
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| Posted: Thu Aug 04, 2011 11:39 pm Post subject: Re: water coming in through siding |
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We actually called today and made a claim and the adjuster is coming out early next week. I called a siding company I know of and talked to someone there, describing the issue. He thinks it's related to damaged flashing or roof, but could be a siding issue. Either way, he believes it's from damage from heavy winds or rain. I guess we will see!
Since I'm new to all of this, how could it be a maintenance issue if water is leaking in under siding or flashing, etc? There really isn't anything we could do to maintain it ourselves (although we just inherited this house 4 months ago and started having issues in the past month or so).
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anonymous1
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| Posted: Fri Aug 05, 2011 12:17 am Post subject: |
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What would happen to your car after 20 years of abuse without any maintenance? Suppose you bought that 20 year old car four months ago? Flashings corrode and siding is not necessarily water-tight. Think about how the siding is applied. Do you see any exposed screws or nails? Is it glued on? Too many possibilities to list. Fasteners corrode, glues eventually may fail.
No one said the lack of maintenance is your fault, but it is now your problem. If the adjuster attributes the damage to rain, it won't be covered because rain is not a covered peril. If the damage is attributed to wind, it might be, since wind is a covered peril.
Water damage subsequent to wind damage is called a "contingent loss". If the courts had ruled that the flooding in New Orleans during Hurricane Katrina was the result of the force of wind on the levees and not the accumulated rainwater, insurance companies would have lost billions in claims.
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MaxHerr
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| Posted: Mon Aug 15, 2011 3:28 pm Post subject: water damage |
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sprinkler caused water to penetrate the brick/drywall and into the formal dining and living room carpet and pad. Covered loss?
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anonymous60
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| Posted: Tue Aug 30, 2011 11:20 pm Post subject: Hurricane Irene |
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I have damage to my bed clothes and shoes that were on the floor when hurricane Irene hit DC. there are leaks in ceiling and cracks that allowed storm rain to get in everything is soaked with water and my insurance company is not helping. they said they talked to PM and he said water came from storm that seeped through loose window seals.
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anonymousDC28
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| Posted: Wed Aug 31, 2011 7:43 am Post subject: |
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Your insurer would cover your damages if your roof and ceiling got damaged due to the hurricane. It would not pay for any damages caused by the water, if it came in as a result of normal wear and tear of your house.
You may request the adjuster to check for damages to the roof or ceiling, if you think the hurricane may have caused it.
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Mona Wayne
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| Posted: Thu Sep 01, 2011 10:28 pm Post subject: water damage |
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The power was off in my house for days when it came back on the up stairs faucet was on and the sink over flowed into the down stairs kitchen ruining the ceiling and carpet will this be covered?
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mc 123
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| Posted: Fri Sep 02, 2011 1:50 am Post subject: water damage |
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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? 
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chuckie
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| Posted: Fri Sep 02, 2011 10:26 am Post subject: |
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Only your insurer can tell you this.
Is it mentioned in your policy that sewer/drain backup is covered in the insurance?
If so, contact the company and file a claim. If it’s not mentioned then I doubt they would cover it.
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Mona Wayne
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| Posted: Fri Sep 02, 2011 11:19 am Post subject: |
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mc 123….. I don’t think the damage will be covered, because it happened due to negligence. You may still check on with your insurance once.
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B
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