Agent, Rural Mutual Insurance Co., Union Grove, WI
I would have to say that in most cases it would not. Depending on the circumstances that caused the overflow in first place will be a big part of the decision of whether or not a loss like this is covered. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.
While not intending to disagree with a colleague, it would be my opinion most homeowners insurance policies should cover a toilet overflow. The most common homeowners policy (HO-3 or its equivalent) should cover any accidental direct damage to the dwelling unless there is a specific exclusion or limitation.
The accidental escape of water from a plumbing system is a fairly common "covered" peril. Granted if a sewer back up originates in a public sewer system or the damage is not sudden, you may have a coverage problem but a simple accidental overflow should not be excluded and therefore "covered".
However,I might not consider filing a claim unless the damage is significant.Insurers are quick to increase premiums or non-renew policies following claim activity.
.JPG){kind=avatar}
The accidental escape of water from a plumbing system is a fairly common "covered" peril. Granted if a sewer back up originates in a public sewer system or the damage is not sudden, you may have a coverage problem but a simple accidental overflow should not be excluded and therefore "covered".
However,I might not consider filing a claim unless the damage is significant.Insurers are quick to increase premiums or non-renew policies following claim activity.