Can i claim on insurance for a leaking boiler what has made all the back side of the house damp? and a.....?

Question

leak in the bedroom ceiling which has made a right mess of the carpet? and the leak of the boiler the kitchen will need redecorating and to be dried out....

we have both contence / building insurance....

Answer 1

In most states any "leak" such as water related falls under flood insurance. If you don't already have it, the claim may be denied.

Get 3 written repair quotes. If it is not a lot to fix, you may want to pay it for yourself. If it's expense, you can try and make a claim anyway.

Good Luck!

Answer 2

Well, Net Adviser, a leaking water heater boiler is NOT "FLOOD INSURANCE" so, get THAT out of your mind.

As far as the claim goes.......has it just been dripping over a long period of time and you have just noticed that it is wet enough to cause concerns? Or, did it ALL OF A SUDDEN start leaking??  There's a LOT of difference in the two as your policy is NOT a maintenance policy - it is designed to protect you from "sudden and accidental" discharges - not from "fair wear and tear."

The best thing to do is to turn it in to your insurance agent/company and let them send out an appraiser.  They will be able to tell based on the type of damage(s) already done.

Maybe NOT the answer that you wanted to hear, but, that's how it works.

Good luck and I hope this helps!

Answer 3

Sure you can claim.  Is it covered?  Who knows, we haven't read your policy.  

Many, many policies have an exclusion for water damage over a period of time.  That's because you're expected to replace that leaking boiler, which apparently is still leaking.  You can't just let it keep leaking and get a new house/ceiling/carpet every six months on the insurance company.

You have a duty to mitigate the loss - which means, replace that leaking boiler the second you find out about it.  

Your agent will be able to give you a definite answer.

Answer 4

Your insurance will not cover the boiler, but it should cover the ensuing damage if the leak was sudden and accidental.   Contact your insurance company and speak to an adjuster.