A lot of people want to know the answer to the question, "does insurance cover toilet overflow?"
Just as it happens to be, there is no valid answer to this question.
Why? Because a number of factors are at play deciding whether or not the toilet overflow will be covered by insurance.
So, how can the question, "does insurance cover toilet overflow?" can be answered?
Well, we need to know the terms and conditions of your insurance policy to do that. However, here is some general idea of when and when not toilet overflow is covered by insurance.
After you know these, you can plan to get the best deal on toilet overflow coverage.
When Does Insurance Cover Toilet Overflow?
As a general principle, if the toilet overflow is caused by something the homeowner cannot control, it is covered by insurance. Here are some of the cases where insurance covers toilet overflow:
- If the toilet overflow is caused by a sump pump failure on the property, it is covered by insurance.
- If the cause of toilet overflow is a blocked sewer pipe on the property, it is covered by insurance.
- Toilet overflow resulting from sudden failure of sewer pipes is covered by insurance.
- Toilet overflow caused by a flood is covered if the insurance policy includes flood insurance.
When Does Insurance Not Cover Toilet Overflow?
If toilet overflow is caused by something outside the property or by something in the owner's control, it is not covered by the insurance. This includes the cases like:
- If the toilet overflow has resulted from a faulty sump pump outside the property, it is not covered by insurance.
- Toilet overflow caused by a broken or clogged sewer line outside the property is not covered by insurance.
- Toilet overflow caused by the progressive failure of sewer pipes over time that the owner could have mitigated is not usually covered.
Who Decides if the Toilet Overflow is covered?
Technically, it is the insurance policy that decides whether or not the toilet overflow is covered. However, the process is a bit inclined towards the insurance agency.
- Once you report the overflow to the insurer, they need you to prove that the thing actually happened.
- They will assign you a claim inspector who will determine if the damage is covered or not.
- You'll get (or not get) compensation based on the estimate of damages prepared by the claim inspector.
As the claim inspector is on the payroll of the insurer, they might tend to make an estimate of damages that might not cover all of the damage your property has sustained.
But you don't need to worry. There's someone you can call for help. They are the claim adjusters.
How to Get the Best Deal on It?
A claim adjuster is an independent person who can do the following for you:
- They can review your insurance policy to determine whether or not the toilet damage is covered.
- They can make a realistic estimate of damages to ensure you get the best possible compensation.
- They can speed up the claim process and make sure you get the compensation in time.
ACI Adjustment Group ServicesACI Adjustment group provides assistance with insurance claim investigation in storm, fire, water damage, and all other common insurance claims. The services we provide include:
- Insurance policy review to help you understand the terms and conditions of your insurance policy.
- Evaluating damages that are covered under your insurance policy.
- Proving the damages done to your property so that you get claim money according to the damage.
- Following up with your insurance claim process to get it processed fast.