Water left running upstairs by five year old, leaking downstairs will home insurance pay?

Question

We have home owners insurance, will it pay for the leak repacing the ceiling... the entire ceiling is wet and leaking through light socket. Yes, we turned off the power.

Ahh.... five year olds! He is a good boy, just dumb mistake.

Answer 1

No.

Water damage is covered, when it's a sudden and accidental plumbing leakage.  Usually, overflow is NOT leakage.  I'm betting this won't be covered.

Answer 2

I have to assume you have an HO-3 policy form which most people do. That being the case your water damage loss is covered subject to your deductible. Accidental discharge OR overflow from the plumbing system is specifically covered.

(See page 9 and 10 of 22 of your homeowners policy)

Answer 3

To reiterate what Tom Z. said this will be covered. I have handled many claims like this over the years, although most of the time it is an adult that leaves the water running.

Answer 4

well there your kids ? do they lived with you ? or are they kids from another tenant. .

if they are your kids, Usually they wont cover it cause you were at fault, But if they are the tenants kids, Then you could filled the paper works to get it inspected and repair.

Just read  the policy to make sure you are cover.

Answer 5

Yep.  No problem.

Take pictures so you can show them to the 18 year old.  He probably will not remember what he did when he was five.

Enjoy the moment, buddy.

...and contact your agent.