O'Connor First
Serving All OfNew York And Vermont
877-886-4029 Toll Free
518-465-0400 New York

Insurance company may rightfully deny claim for gradual damage

Perhaps one of the most frustrating things that can happen to a homeowner is to come home to find inches of water on the floor. Depending on where in the house the water is flowing or rising, the homeowner may also have damage to furniture, walls and personal items, some of which may be irreplaceable. It is in these times that a New York homeowner typically contacts his or her insurance company to file a claim for the damages. However, many in this situation may not fully understand the damage their policies cover.

Unfortunately, waiting until water has already damaged one's home is not the best time to discover the limitations on one's insurance policy. For example, some policies may not cover gradual damage, which is damage that has built up over time because of undetected issues behind the walls, within the ceiling or under the floors. A long-standing issue that compounds over time may result in a denied insurance claim.

Gradual water damage can come from many sources. Leaking plumbing may affect unseen areas, and the homeowner may not notice until the damage becomes visible. Left unchecked, plumbing or sewage issues can cause deterioration in the walls or foundation. It may also result in mold or corrosion, and water damage can create dangerous electrical issues.

Insurance claims are typically meant to cover damage that occurs suddenly and unexpectedly. Therefore, a claim for gradual damage caused by water issues may be denied even if the New York homeowner does not know the damage is occurring until it became visible. There are exceptions to this, and homeowners who are unsure of the extent of their coverage would do well to ask questions of their insurance company to clarify any uncertainties. This may save the homeowner from the trouble of bringing legal action against the insurance company for a claim that is rightfully denied.

Source: thebalance.com, "Making a Water Damage Claim? What's Covered or Not", Mila Araujo, Accessed on Dec. 9, 2017

No Comments

Leave a comment
Comment Information
Email Us For a Response

Speak To An Experienced Attorney.

High-Quality Representation At An Affordable Price. Contact Us Today.

Learn more about how we can help you by calling the firm at 877-886-4029.

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

  • dri | The Voice of the Defense Bar
  • BEST'S Client Recommended 2018
  • AV Preeminent
  • Bar Register Preeminent Lawyers
  • Lawyer of the Year
  • IADC
  • MPL
  • Best Lawyers
  • FDCC
  • Peer Rated
  • Plus
  • New York State Academy of Trial Lawyers
  • Lawyer of the Year
  • TIDA
  • Best Lawyers | Best Law Firms | US News |2019

NEW YORK OFFICE
20 Corporate Woods Boulevard
Albany, NY 12211

Toll Free: 877-886-4029
Phone: 518-465-0400
Fax: 518-465-0015
Albany Law Office Map

VERMONT OFFICE
507 Main Street
Bennington, VT 05201

Toll Free: 877-886-4029
Fax: 518-465-0015
Map & Directions