Get Water Damage Property Insurance Help Before It’s Too Late.
Water damage is one of the most common types of property insurance claims but also one of the most complex perils to undertake when it comes to property insurance. Water damage may be covered or excluded under:
- Sudden or Accidental Discharge / An accidental discharge may stem from a plumbing, heating or air conditioning system, a sprinkler system, or a household appliance such as a dishwasher or a washing machine.
- Flood / Flood damage, including damage from accumulated precipitation, is not covered as water damage under typical insurance policies. Separate flood insurance must be purchased to cover damage from flooding. Insurance companies may attempt to stretch the meaning of accumulated surface water in an effort to deny claims that should be paid. Learn more: FLOODS
- Sewer backup or water backup
- Water Overflow
As recently as March of 2018, a case was brought before the Supreme Court of the State of New York where the insurance company attempted to expand the meaning of surface water beyond “the accumulation of natural precipitation on the land and its passage thereafter over the land until it either evaporates, is absorbed by the land or reaches stream channels” to include surface water caused by other means.
Policyholders must also overcome additional complexities when handling water damage claims; including water damage that is gradual. Gradual damage happens slowly over time and causes damage to your property. So what happens if the damage is gradual but you just discovered it? This is when things get tricky. Coverage will depend on the wording of your policy.
As you can see, interpreting an insurance policy isn’t simple. Knowing how to interpret specific provisions, makes an enormous difference in how claims are settled with insurance companies. With a public adjuster’s help, you can defeat the insurance company’s argument before the claim is denied. The last thing you want is a delayed insurance claim payment due to costly litigation.
Types of Water Damage
Water damage includes damage from frozen pipes, burst pipes, and accumulations of snow, ice that cause a roof to collapse, water backups due to toilets being clogged or sump pump failures. If your neighbor’s pipe or a water main breaks, the insurance company may claim the water is from a flood because water flooded your property. A public adjuster knows the difference between coverage for flood water caused by an accident and a flood caused by too much rain. Nothing gets by us.
If prompt action is not taken, your home or business will suffer from mold growth resulting from moisture build up. Water doesn’t damage only the surface of your property—it seeps into cracks and crevasses where it causes invisible damage. An expert who knows what to look for can negotiate with your insurance company from an advantageous position to increase the payout you receive.
 Smith v Safeco Ins. Co. of Am. 2018 NY Slip Op 02055 Decided on March 23, 2018 Appellate Division, Fourth Department