Homeowners Policy (HO)Question 314 of 474
One house has a supply line burst and flood a kitchen; another has a pipe that dripped inside a wall for two years. On a broad form:
a.both losses are covered as water damage
b.neither loss is covered by a water peril
c.the burst is covered and the slow leak is not
d.the slow leak is covered but the burst is not paid
Explanation
The peril is accidental discharge or overflow of water or steam, and the word that decides these two claims is sudden: a line that lets go without warning qualifies, while constant or repeated seepage over a period of time is treated as a maintenance failure and excluded. Reading both as covered water damage ignores the sudden-and-accidental requirement built into the peril.
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Related questions on this topic
- Which of these is a named peril insured against on a broad form Homeowners policy?
- Vandalism or malicious mischief is a named peril, but that coverage is suspended when:
- A homeowner leaves for the winter, shuts the heat off, and the pipes burst. The freezing loss is covered only if the insured:
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