BY FC&S EDITORS
IT’S ESSENTIAL to know whether
your homeowners’ policy includes an
exclusion for leaks lasting more than
a few days. Here are some real-life
coverage questions from FC&S Online
subscribers and the answers.
Question: We are working on a claim in
which tenants occupied the property.
The original tenant sublet the property
(without the landlord’s consent). The
second tenant vacated the property.
The first tenant returned and noticed
that there was standing water.
The landlord maintains
that he checked the property’s
exterior roughly every 30 days, and
the interior was inspected three
months prior to discovery.
The first tenant notified the land-
lord of standing water. The landlord
conducted mitigation upon discovery.
There was a pot under the sink,
where the leak likely occurred, and
dry rot in an adjoining room, which
indicates the possibility of overrun
from water. So the carrier denied
the claim, stating it stemmed from a
Should this claim be covered?
— Pennsylvania Subscriber
Answer: One of your issues is that
someone knew of the leak beforehand,
because the pot was under the sink.
Also, it sounds as though the property was vacant more than 30 days.
Even though it was checked on, vacant
property is excluded from coverage.
Looking in through a window is not
a sufficient check of a vacant or even
an occupied property. In general, the
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