Water losses, whether caused by broken pipes, roof leaks, malfunctioning appliances, or a natural disaster, can cause significant damage and possible mold growth, posing health risks and sometimes rendering a home uninhabitable. 

Most insurance policies provide coverage for water losses other than flood damage.  Unfortunately, homeowner’s insurance companies aren’t always ready to cover the costs associated with a covered water loss.

The most common scenario we encounter is when an insurer has misinterpreted, or failed to consider, important policy language prior to wrongfully denying a water loss claim.  After a review of our client’s policy, and the basis for the claim denial, we often find that the insurer has misconstrued the policy terms, and thus improperly denied the claim.  For instance, water damage is often a result of something that the insurance company won’t pay for, like faulty construction (e.g. defective stucco installation), but the policy provides coverage for the ensuing loss of the interior water damage.  What this means is that, although the policy doesn’t require the insurer to pay to fix the faulty construction (defective stucco), it does provide coverage for the resulting or ensuing loss (interior water damage).  Insurers often conveniently deny the claim without considering the provisions that provide coverage for this type of ensuing loss.