What's Excluded

9/1/2020 (Permalink)

There are some types of water leaks that are typically excluded by commercial property policies. These include slow leaks and certain leaks caused by freezing.

 Slow Leaks

A typical property policy excludes damage caused by water that leaks or seeps continuously for 14 days or more. This exclusion applies not only to pipe leaks but also to water in the form of humidity, moisture or vapor. It is intended to eliminate coverage for water damage that results from poor maintenance rather than a sudden accidental event.

For example, suppose that a clogged drain line in an air conditioning unit causes water to collect on the floor of your building. The leak is slow, so no one notices the water for several months. By the time the problem is discovered, the floor under the air conditioner has suffered water damage. Because the leak continued for more than 14 days, your insurer refuses to cover the damage to the floor.

https://www.thebalancesmb.com/damage-caused-by-water-leaks-462680

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