Póliza de Propietarios (HO)Pregunta 349 de 531
Water below the surface of the ground seeps through a basement wall over one winter and ruins the finished walls. The policy:
a.excludes it as water damage
b.pays it under the collapse coverage
c.pays it as accidental water discharge
d.pays after the Section I deductible
Explicación
The water damage exclusion carries three ideas: flood and surface water, water backing up through sewers or drains, and water below the surface of the ground that seeps or leaks through a foundation, wall or floor. Basement seepage sits squarely in the third, so nothing is payable. Calling it accidental discharge misapplies a peril meant for plumbing and appliances inside the home, and nothing here has collapsed.
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