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Started By
Message
Will Homeowners Insurance Cover
Posted on 9/27/16 at 8:18 pm
Posted on 9/27/16 at 8:18 pm
Had leaky pipe under the house that is on piers. Leak fixed but floors buckling. House also needs to be leveled. Not sure if that has added to the buckling. Anyone have suggestions? Someone mentioned filing a claim with homeowners.
6
Posted on 9/27/16 at 8:20 pm to lsuwins3
I have little experience with homeowner's claims...but I would damn sure try it.
Posted on 9/27/16 at 8:22 pm to lsuwins3
You're looking at a surchargeable claim regardless. The damage to the floor will likely be covered if you can prove its from the water that leaked from the pipe. As for the house needing to be leveled, that's not gonna be covered but could also be why the pipe burst in the first place. If it's the cause of the leaky pipe, you're fricked because it'll be denied.
This post was edited on 9/27/16 at 8:23 pm
Posted on 9/27/16 at 8:34 pm to lsuwins3
Homeowner's policy typically covers sudden and accidental damage that happens at a point in time. If the damage accumulated over a period of time, there is a good chance you would not have coverage.
Movement of the earth, is typically not a covered peril...
quote:
House also needs to be leveled.
Movement of the earth, is typically not a covered peril...
This post was edited on 9/27/16 at 8:36 pm
Posted on 9/27/16 at 8:55 pm to lsuwins3
quote:That's drastic.
House also needs to be leveled.
Posted on 9/27/16 at 9:05 pm to lsuwins3
If the damage happened suddenly due to a burst pipe, it should be covered because that's an event that cannot reasonably be predicted or always avoided.
If the damage happened over time, the insurance company will deny the claim because ongoing inspection and maintenance of the property is the homeowner's responsibility and cumulative damage is considered to be due to the homeowner's neglect of the faulty condition, not the faulty condition.
If the damage happened over time, the insurance company will deny the claim because ongoing inspection and maintenance of the property is the homeowner's responsibility and cumulative damage is considered to be due to the homeowner's neglect of the faulty condition, not the faulty condition.
This post was edited on 9/27/16 at 9:07 pm
Posted on 9/27/16 at 9:14 pm to lsuwins3
I'm going through this exact thing right now. Apparently they will.
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