Manager, Lincoln Street Insurance, 268 Lincoln Street Worcester, MA 01605
Depends on what caused the leak.
No for flood (rain that hits the ground) nor a continuous (over Time) maintenance type leak.
The homeowners policy is designed for spontanous leaking of water. e.g. burk pipe, leaking washing machine hose, snapped the shower handle off and it took 1/2 hour to find the shut off. I use these examples because they have happened to my clients
Chief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778
Once rain water hits the ground it is considered to be the peril "flood". If the water finds its way into the basement that is considered "seepage" and is excluded under most homeowners insurance policies. Some companies will consider coverage under the "water back-up of sewers and drains" coverage however that is pushing the limits. It will come down to the company and adjuster to decide coverage.
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No for flood (rain that hits the ground) nor a continuous (over Time) maintenance type leak.
The homeowners policy is designed for spontanous leaking of water. e.g. burk pipe, leaking washing machine hose, snapped the shower handle off and it took 1/2 hour to find the shut off. I use these examples because they have happened to my clients
Patrick