Will landlord policy cover floor damage from burst pipe under hse

Will landlord policy cover floor damage from burst pipe under hse

Real Estate Investor · columbia, SC · Member since 2008 · 4 posts · 0 votes

A pipe under the duplex burst and filled crawlspace with water.  Pumped it out with pump.  Now floors have started buckling because of excessive moisture when site was wet.  Will insurance policy consider this a covered expense?

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Roanoke, VA · Member since 2014 · 404 posts · 203 votes
10y

I'm not sure about the insurance issue, but I would immediately rent dehumidifiers to put in the first floor and crawlspace. Pull that moisture out and you may be surprised how quickly the floors settle back down to their original state. 

Good luck!

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  • Roanoke, VA · Member since 2014 · 404 posts · 203 votes
    10y

    I'm not sure about the insurance issue, but I would immediately rent dehumidifiers to put in the first floor and crawlspace. Pull that moisture out and you may be surprised how quickly the floors settle back down to their original state. 

    Good luck!

  • Jason BottPro Member
    Insurance Agent · Nationwide · Member since 2014 · 2k+ posts · 1k+ votes
    10y

    @Louise Dowd you need to ask your insurance agent.  This could or could not be covered depending on the coverage form within your policy. 

    If your insured form is "Basic", this coverage excludes water damage.

    Let's hope you have "Broad" or "Special" coverage.

  • Flipper/Rehabber · Tyler, TX · Member since 2015 · 25 posts · 10 votes
    10y

    To add to what Jason stated, even with a Broad or Special coverage policy, unless there is PHYSICAL water damage to the floors (not b/c of high humidity) there still might not be any coverage.

    Well what was the outcome?

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