I have been with an insurance agency for over 55 years and never had a claim. Finally, a need arrived and I learned how insurance companies put in clauses to protect themselves.
My water heater developed a leak in the pipe and caused water damage to my kitchen – insurance covered this. Now here is where they protect themselves. When my washer and dryer were removed to enable the installation of new vinyl floor covering, more water damage was discovered. This apparently was from a leak in pipes from the adjacent bathroom shower and tub.
Seems to me, water damage is water damage. But the insurance company has denied coverage for this problem. It claimed the damage was due to lack of maintenance and had been happening for some time. They did not look under my mobile home to ascertain this.
How many people crawl under their homes to check their pipes? I especially wouldn’t be doing such a thing as an 80-year-old widow.
Check your homeowner policy today to see what is actually covered.
Wilma J. Philley, Kingsburg