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Fire & Water - Cleanup & Restoration

Water Damage Sudden Events

7/1/2020 (Permalink)

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Water Damage from Sudden Events

Property damage caused by water leaking from a broken pipe or appliance (such as a water heater) is generally covered under a property policy if the damage occurs suddenly. For example, suppose that a supply line to a water fountain in your office suddenly ruptures. Leaking water damages the floor near the water fountain. Assuming your property policy includes building coverage, it should cover the cost to replace the damaged floor.

Property policies also cover sudden water leaks from fire protective systems. For example, an employee of yours is positioning a ladder in your office to change a light bulb when he accidentally hits a sprinkler head. Water pours out of the damaged head, damaging office furniture. Your property policy should cover the damage to the furniture.

Note that property policies generally don't cover damage caused by water that backs up from a sewer, drain or sump pump. 

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