| Author |
Message |
    
chocoholic
Citizen
Username: Shrink
Post Number: 51
Registered: 2-2003
| | Posted on Friday, November 28, 2003 - 12:13 pm: |     |
I had a leak from my shower into the ceiling of the living room. Has any body ever claimed any thing like this on their homeowners insurance? Whats the chance that the insurance premuims will go up? |
emmie
Citizen
Username: Emmie
Post Number: 171
Registered: 3-2002
| | Posted on Friday, November 28, 2003 - 2:03 pm: | |
I had half of the ceiling in my breakfast nook cave in from exactly that. Shower was right above that area. Homeowners paid. They won't pay though if it is caused by a leaking or broken pipe. (I don't think so, anyway.) |
us2innj
Citizen
Username: Us2innj
Post Number: 910
Registered: 5-2001
| | Posted on Friday, November 28, 2003 - 2:46 pm: | |
Emmie,
If a leak from your shower caused the ceiling to come down, and insurance paid for it, why would you say "they won't pay if it is caused by a leaking or broken pipe?"
What else could have caused the ceiling in your house to come down?
My understanding is; if a pipe or hose or faucet breaks, or a washing machine or dishwasher fails and causes a flood, your homeowners insurance would pay for it. If your basement floods because of a severe storm, then your homeowners will NOT cover it. |
algebra2
Citizen
Username: Algebra2
Post Number: 1452
Registered: 5-2001
| | Posted on Friday, November 28, 2003 - 3:12 pm: | |
We had a leaky/broken pipe which damaged our kitchen ceiling and homeowners paid. My understanding ws that they paid because the pipe was leaking and wouldn't have paid if it was leaking through the tiles or around the tub. |
Michael K. Mc Kell
Citizen
Username: Greenerose
Post Number: 117
Registered: 9-2003
| | Posted on Friday, November 28, 2003 - 3:17 pm: | |
I had a leak due to my stupidity and they paid.
NICE.
Michael K. Mc Kell
|
emmie
Citizen
Username: Emmie
Post Number: 173
Registered: 3-2002
| | Posted on Friday, November 28, 2003 - 3:57 pm: | |
US:
The water was coming from under the tub, the shower pan. No pipes were damaged! |
grw
Citizen
Username: Grw
Post Number: 203
Registered: 12-2002
| | Posted on Saturday, November 29, 2003 - 9:29 am: | |
I had the same thing happen, homeowners paid for the damage to the ceiling, etc. they would not pay to repair the pipe |
greenetree
Supporter
Username: Greenetree
Post Number: 1841
Registered: 5-2001
| | Posted on Saturday, November 29, 2003 - 3:54 pm: | |
The thing that leaks (roof, pipes) generally is not covered. The damage caused by the leak (wall, ceilings) generally is. Wierd distinction, but pretty status quo. I've both leaking roof & leaking tub. Walls & ceilings were paid for by insurance; tub & roof were my cost. Never had my premiums go up. Overall, we've had very few claims. |
macman
Citizen
Username: Macman
Post Number: 51
Registered: 6-2001
| | Posted on Saturday, November 29, 2003 - 6:16 pm: | |
As usual, Greentree is right on the money.
I had a pipe blockage AND a leaking pipe last Feb. The entire kitchen ceiling had to go. Insurance paid for the repairs of the damaged ceiling. Even had them pay for some electric code upgrades in the ceiling wiring. Check if your policy has the code upgrade clause. They also paid for the blockage work. What they do not cover is the actual plumbing to repaid the broken pipe. My problem went on for weeks and cost $6K because they could not find the problem and had to replace the ceiling 3 times. I hope you have better luck. |
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