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 12:56 am Post Subject: correction to previous question
I am told that my leak is seapage and not covered. I would be covered if they considered it a leak.
Posted: Sat May 05, 2012 12:56 am Post Subject: correction to previous question
I am told that my leak is seapage and not covered. I would be covered if they considered it a leak.
Posted: Thu May 10, 2012 10:37 am Post Subject: Insurance coverage for rain damage
With regards to your query, give other details as well:
1. Do you have a HO6 policy?
2. Are you the owner of the apartment or is it on rent?
3. Why have the building insurance refused the claim?
4. Have both the insurers denied the claim in writing?
Seepages are generally not covered by the insurance companies, unless it has been caused by a sudden accident.
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