Did you know that water is the number one loss paid on a home policy in terms of frequency and dollars? The amazing thing about this is water losses have been restricted to sudden and accidental loss only. As and example, the pipe that suddenly breaks under the sink or the ice maker hose that bursts.

Water that backs up on a roof deck, water that hits the ground first and runs into the home, surface water (floods), that drip that has caused dry rot, the floor under the toilet that has been deteriorating for years and water that has been lapping over the tub under the tile are excluded from your home policy (see your policy for full details).

I will be happy to review the water and other exclusions in your home owners policy.