Dwelling Policy (DP)Question 309 of 531
A supply pipe splits inside the wall of a dwelling insured on a broad form, ruining plaster and flooring. The policy pays for:
a.the damage the water did, not the pipe
b.only the plumber's bill to fix the pipe
c.the pipe and the plaster and the floor
d.nothing; escaping water is excluded
Explanation
Accidental discharge or overflow of water is a broad form peril that pays for the damage the escaping water causes, while the system or appliance the water came from is not itself covered under that peril. Replacing the split pipe is therefore the owner's own cost. Treating escaping water as excluded altogether describes the basic form rather than the broad form.
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