Does Property Insurance Cover Damages from Leaky Faucets?
Water damage is often devastating and unexpected. Nobody leaves their house for the day expecting to come home to a collapsed ceiling and water rushing through the front door, yet these accidents are surprisingly common. That raises an interesting question: Does property insurance cover damages from leaky faucets?
Liability for water damages often depends on the cause of the accident. Generally, there are two ways an insurance company may evaluate damages from a faucet.
Sudden or Accidental Loss
It varies between policies, but insurance usually covers damages caused by accidents and unexpected events. For example, a child leaving the bathtub faucet running and causing an overflow would be an accident beyond the policyholder’s control. In these cases, coverage applies so long as the faucet was not left on with the intent to cause water damage. Intent to cause damage would fall under criminal insurance fraud.
Sudden and accidental loss also covers unexpected maintenance issues. Burst pipes caused by cold weather, for example, often have insurance coverage. Unexpected leaks and water damage from dishwashers and laundry machines usually have the same coverage so long as they were in good repair.
Unresolved Maintenance Issue
Property insurance does not cover damage caused by negligent maintenance. For example, if the insurance inspection names rusted or loose hardware as the cause of the accident, that could fall under unresolved maintenance.
However, property owners may contest the inspection’s findings if they could not have reasonably noticed the issue. Property owner’s planning to contest the results of an insurance inspection should consider hiring a property insurance attorney. Insurance companies have strong representation and claimants should come prepared.
If your insurance agency denied your valid claims or did not offer you a fair payout, you might have a case. If you’d like an experienced Florida property insurance attorney from Strems Law Firm to evaluate your claim, please send us an email or call (786) 661-3111.