Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 13, 2012

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Insurance Question from Masonville, NJ

Asked on 06/13/2012

Water Damage in the state of New Jersey Are their endorsements or riders for water backup,foundation and slow leaks.

Answer given on June 19, 2012

Almost every homeowner insurance policy has limitations due to various types of water damage. Flood coverage is excluded. You can purchase a separate flood policy from FEMA, and it is required by lenders if you are in a designated flood zone.For other water damage claims, there are restrictions. It is best to ask your agent to explain the limitations, but there are some coverages such as some back-up of water and pipe damage.If your toilet backs up and overflows causing water damage, the homeowner polciy will usually cover this type of loss. If a pipe breaks in the house, then the damage due to water is covered, but the repair to the actual pipe is not. However, the cost to open the walls to get to the pipe is usually covered.Seepage damage, or an undetected leak that causes wet or dry rot is generally excluded from the policy. Losses occurring over a period of time are not considered “sudden and accidental”, so they are excluded.


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