Older polices, such as a HO 00 03 04 91 introduced in 1991, did not clearly exclude a water loss caused by a long term leak. Water damage with no time restriction language While most policies of today, deny a water leak which occurs for over a period of more than 14 days, that was not always the case. How did we get to this place? To understand how we got here, you must first understand where we came from. Some covered water losses are being routinely denied. The policy language of today has evolved into a policyholder's nightmare. Even if this were the initial reason for introducing new language into the policy, that original intent has been far surpassed. Insurers wanted to discourage the policyholder from claiming a known long term leak as a recent occurrence. Many will argue the initial intent of this change was to address an abuse taking place within the industry. During the early part of this past decade, insurance companies started to limit water losses, which occurred over a period of more than 14 days. As you read below, please notice how coverage for water damage has evolved. This particular situation has become a nightmare for many homeowners. In Florida, many carriers completely deny coverage if they believe the water leak took place for more than 14 days. There is no other cause of loss with as many conditions, limitations, and exclusions as a water insurance loss, and for this reason water damage is sometimes denied. Water Loss Which Occures Over a Period of 14 or More Days
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