by alicesteph » Sat May 05, 2012 12:54 am
During a heavy rain storm in New York City, I had a leak that came from the outside of my brick apartment building and damaged furniture.
I am told by my insurance broker that this is considered leakage, and I am not covered for damages. I would be covered for a leak, for example if a pipe burst. I would not be covered if the rain came in from the outside. My insurance tells me that it is the building's responsibility. Neither insurance company is willing to cover the damages.
What is seakage and what is a leak?
I am told by my insurance broker that this is considered leakage, and I am not covered for damages. I would be covered for a leak, for example if a pipe burst. I would not be covered if the rain came in from the outside. My insurance tells me that it is the building's responsibility. Neither insurance company is willing to cover the damages.
What is seakage and what is a leak?
Posted: Sat May 05, 2012 01:51 pm Post Subject:
I am told by my insurance broker
Unless you are using the wrong label, this is part of the problem. Your broker (agent) would not be an adjuster and as such, cannot afford coverage or deny a claim. Agent's offices can say anything they want... and they sometimes do when it comes to claims. "Leakage" is not an exclusion under the dwelling policy. Flood usually is but you don't mention specifically how the water entered the home.Neither insurance company
Who is this other insurance company? You never mention this.Posted: Sat May 05, 2012 07:08 pm Post Subject: what constitutes seapage and what constitutes a leak
I used the wrong terms. The adjuster claims that damage from an overnight rain through the bricks of an apartment building in n.y. is considered seepage and therefore not covered. They say it has to be a leak like a pipe bursting. The resident manager of my Co op assures me that this is a leak but not seapage.
Posted: Sat May 05, 2012 11:14 pm Post Subject:
Seepage is not going to be covered under anything but a flood policy.
The resident manager of my Co op assures me that this is a leak
If it's a leak then something was repaired. Simply obtain the repair bill from the manager and submit it to the insurance adjuster.
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