1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    If the damage is the result of neglect there isn’t any coverage.  If the damage is caused by a backup of water through the sewer system, damage is excluded unless that coverage is purchased as an option.  If the cause is freezing the policy will cover not damages if the property is unoccupied.  Claims involving continuous and repeated seepage or leakage are also excluded by the policy.  Damage caused by freezing is also excluded.
    Answered on April 28, 2014
  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Water damage that is caused by a sudden failure of the system such as occurs if pipes freeze or if the material or a joint fails, will generally be covered.  Things that can be considered a failure to perform routine maintenance, however, may not be so be sure to check with your Insurance Professional.
    Answered on April 28, 2014
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