1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    As a rule no, toilet overflow is a maintenance issue. The only time there may be coverage is if the overflow is caused by sewer backup. Some companies will provide coverage for sewer backup, usually as an endorsement on your policy. Check with your agent to find out if your policy has sewer backup coverage.
    Answered on March 30, 2015
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Most homeowner’s policies have a list of exclusions that apply to property coverages. Among the standard exclusions is that the companies will not pay for losses which resulted from water which backs up through sewers or drains. Many companies offer this coverage as an additional endorsement. Lack of this coverage is a serious shortcoming in many homeowners’ policies.
    Answered on April 21, 2015
  3. 152 POINTS
    Greg Roover
    Public Adjuster - Loss Appraiser, Claim Concepts, Florida
    Yes, in most instances the ensuing damages would be covered by a standard homeowners policy. Most homeowner policies are considered 'all risk' meaning that if the loss is not specifically excluded under the policy and it is sudden and accidental in nature, it shall be covered. If there was a problem with the toilet and it malfunctioned causing the water damage, the toilet itself would not be covered but all ensuing water damage should be covered under the policy.
    Answered on May 6, 2015
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