Homeowners Policy (HO)Pregunta 314 de 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
Explicación
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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