![]() We do not cover loss caused by constant or repeated seepage or leakage of water or steam thatĭ. Surface of the ground or is within or below the slab or foundation of the dwelling.Ĭ. Plumbing, heating or air conditioning system or household appliance that is either below the We do not cover sudden and accidental discharge, or overflow of water or steam from within a But this coverageĭoes not include loss to the system or appliance from which the water or steam escaped.ī. Slab or foundation, necessary to repair or replace the system or appliance. We cover the cost of tearing out and replacing that part of the dwelling structure, excluding the Or air conditioning system or household appliance.Ī. Sudden and Accidental Discharge or Overflow of Water or Steam from within a plumbing, heating Note: This certainly isn't advice - just a portion of the policy language quoted for your convenience and discussion.I'm not your lawyer, nor am I a public adjuster.ġ5. I don't know if I qualify as a genuine Texas ADJUSTER - I did spend all that time in Louisiana ) We will let you have a 15 minute show and tell of your electronic adjuster equipment. Chuck, you can come if you promise not to disrupt the class. I am going to organize another TX license class in California. Show us YOUR Texas license before you make anymore disparaging comments. So that makes me legally more qualified to opine on Texas policies. One more thing: I have a Texas license but not California. Then we will all be able to see if it makes sense for a California adjuster to comment on a Texas policy. Then I will find similar (or identical) language from a California policy. Right after I posted this I had a file examiner grill me on the location of a leaking pipe for precisely this reason: was the leaking pipe in the basement in a position where it would have been underneath the dirt if there was no basement?Ĭhuck- post the Texas endorsement language. The "underground pipe" exclusion is not limited to Texas. I know of a case in California where the adjuster said no but the supervisor said yes because the pipe was in the "fill". Your friend's insurance company might have a rule to pay the loss when the pipe is in the "fill" and not buried so deep that it goes below the lowest pint of the foundation. I couldn't find a copy of the HO470T on the internet, but I did read something that said water damage wasn't covered if the point of origin was underground or below the foundation/slab.ĭoes your friend's policy say "underground pipes are excluded form coverage" or does it say "damage caused by underground pipes are excluded form coverage" ? Policies often exclude airplanes, vehicles, pets, and boats, but routinely pay for the damage that airplanes, vehicles, pets, and boats cause. Nobody would expect the Neighbor's pipe to be covered under your friend's policy, but your friend's damage would probably be covered. It is also possible that the pipe itself could be excluded form coverage, but perhaps the ensuing damages would be.Ĭonsider this scenario: A NEIGHBOR has a pipe burst, and the water shoots through the air and hits your friend's house. The pipe might be below the surface of the dirt but above grade level, and therefore not technically "underground". This is defined as the dirt thrown back into the area under the house. If the pipe is buried in the dirt under the house, the company may be willing to cover it, if it is buried in the "fill". Some policies exclude "underground" pipes.
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