the leak is something new and i did not see this problem before two weeks. how do i prove to my insurance this is not something old like they are claiming.
Total Comments: 8
Posted: Fri Jun 27, 2014 06:41 am Post Subject: faulty faucet causing water damage
insurance will not cover the water damage saying that it is old while it is new. how do i get the insurance to cover the damage.
Posted: Fri Jun 27, 2014 12:59 pm Post Subject:
How do you know its "new" and has not been going on for some time now? What time frame is "new"? A day, a month, a year?
Posted: Fri Jun 27, 2014 04:07 pm Post Subject:
The usual language in a homeowner's policy concerning "water" damage relates to "sudden, unexpected" discharge of water, as from a burst pipe. Leaks, as such, do not fit within that definition, whether old or new.
For example, I replaced a kitchen faucet in my home a couple of weeks ago. I waited a couple of hours before I replaced the stuff I took out of the cabinet, to make sure all of my connections were water-tight, and discovered that one was not -- there was a slow drip from one fitting that hadn't been tightened enough. I fixed that and now have no leaks.
Had I not done this, and instead replaced everything under the cabinet, there could have been a continuing leak that I might not have discovered for months or years, because the volume of water was maybe 1-2 ounces per day, and the towels and buckets under the cabinet would easily have contained most of that for some time. Any damage that resulted would not be covered by insurance.
Such "slow leaks" may also have a corrosive effect on fittings causing them to fail catastrophically in the future. In such a case, that failure would also not be covered because, although sudden, it would not be unexpected. It is a preventable maintenance issue.
Posted: Sun Jun 29, 2014 08:05 am Post Subject: faulty faucet
faulty fauciet in the kitchen caused leak in the cabinet and the wall. it just started two weeks ago. my house was just painted two months ago. insurance denied paying saying it is old. but in reality it is new. i dont know how to prove that. please help.
Posted: Sun Jun 29, 2014 02:53 pm Post Subject:
faulty fauciet in the kitchen caused leak in the cabinet and the wall.
This cannot be correct. A faucet does not cause a leak in the wall. Read my post immediately above yours. Insurance pays for "sudden, unexpected discharge of water" not leaks -- and especially not leaks which have persisted for two weeks or longer.
A common problem inside walls may involve corroded pipes, or pipes which were not properly installed by a plumber, such as leaky solder joints. Your insurance company will pay for water damage if a pipe suddenly bursts, but will not pay for the repair to the faulty plumbing.
If a supply hose to a kitchen faucet bursts and sprays water all under the cabinet, insurance will pay for that damage. But if the hose is simply leaking and causes damage over time, it will not be covered because you are expected to properly maintain that equipment.
Posted: Fri Jun 19, 2015 10:17 am Post Subject: Opinion
It comes under water damage .Take photographs of your water damaged kitchen which would be beneficial for you to identify the type of damage .You can also take advice from experienced public adjuster that will help you to come out of this situation .
Posted: Tue Jul 14, 2015 07:37 pm Post Subject:
This is the most common denial that I see insurance companies utilizing. The truth is that it is very difficult to identify exactly how long a leak has been going on for. That being said, it all will come down to your specific situation and how it applies to your policy as many policy utilize different wording that can make all the difference with a claim like yours.
I would absolutely recommend that you find a public adjuster in your area to take a look at your loss and make their recommendations.
Posted: Sat Jul 25, 2015 07:52 am Post Subject:
I would suggest you to review your policy and check for what kind of damages your insurance company provides insurance.
Posted: Fri Jun 27, 2014 06:41 am Post Subject: faulty faucet causing water damage
insurance will not cover the water damage saying that it is old while it is new. how do i get the insurance to cover the damage.
Posted: Fri Jun 27, 2014 12:59 pm Post Subject:
How do you know its "new" and has not been going on for some time now? What time frame is "new"? A day, a month, a year?
Posted: Fri Jun 27, 2014 04:07 pm Post Subject:
The usual language in a homeowner's policy concerning "water" damage relates to "sudden, unexpected" discharge of water, as from a burst pipe. Leaks, as such, do not fit within that definition, whether old or new.
For example, I replaced a kitchen faucet in my home a couple of weeks ago. I waited a couple of hours before I replaced the stuff I took out of the cabinet, to make sure all of my connections were water-tight, and discovered that one was not -- there was a slow drip from one fitting that hadn't been tightened enough. I fixed that and now have no leaks.
Had I not done this, and instead replaced everything under the cabinet, there could have been a continuing leak that I might not have discovered for months or years, because the volume of water was maybe 1-2 ounces per day, and the towels and buckets under the cabinet would easily have contained most of that for some time. Any damage that resulted would not be covered by insurance.
Such "slow leaks" may also have a corrosive effect on fittings causing them to fail catastrophically in the future. In such a case, that failure would also not be covered because, although sudden, it would not be unexpected. It is a preventable maintenance issue.
Posted: Sun Jun 29, 2014 08:05 am Post Subject: faulty faucet
faulty fauciet in the kitchen caused leak in the cabinet and the wall. it just started two weeks ago. my house was just painted two months ago. insurance denied paying saying it is old. but in reality it is new. i dont know how to prove that. please help.
Posted: Sun Jun 29, 2014 02:53 pm Post Subject:
faulty fauciet in the kitchen caused leak in the cabinet and the wall.
This cannot be correct. A faucet does not cause a leak in the wall. Read my post immediately above yours. Insurance pays for "sudden, unexpected discharge of water" not leaks -- and especially not leaks which have persisted for two weeks or longer.A common problem inside walls may involve corroded pipes, or pipes which were not properly installed by a plumber, such as leaky solder joints. Your insurance company will pay for water damage if a pipe suddenly bursts, but will not pay for the repair to the faulty plumbing.
If a supply hose to a kitchen faucet bursts and sprays water all under the cabinet, insurance will pay for that damage. But if the hose is simply leaking and causes damage over time, it will not be covered because you are expected to properly maintain that equipment.
Posted: Fri Jun 19, 2015 10:17 am Post Subject: Opinion
It comes under water damage .Take photographs of your water damaged kitchen which would be beneficial for you to identify the type of damage .You can also take advice from experienced public adjuster that will help you to come out of this situation .
Posted: Tue Jul 14, 2015 07:37 pm Post Subject:
This is the most common denial that I see insurance companies utilizing. The truth is that it is very difficult to identify exactly how long a leak has been going on for. That being said, it all will come down to your specific situation and how it applies to your policy as many policy utilize different wording that can make all the difference with a claim like yours.
I would absolutely recommend that you find a public adjuster in your area to take a look at your loss and make their recommendations.
Posted: Sat Jul 25, 2015 07:52 am Post Subject:
I would suggest you to review your policy and check for what kind of damages your insurance company provides insurance.
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