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: Sep 13, 2012

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Insurance Question from Holly, MI

Asked on 09/13/2012

water Pipe leak inside wall damaging dry wall and floor, claim denied cause it`s called maintains if drip covered if water had been a spray failure NULL

Answer given on September 13, 2012

The homeowner policy covers losses that are considered sudden and accidental. A pipe leak in the wall is not sudden and is considered a maintenance issue.If there is damage to the home from the leak, such as floor damage or damage to your personal property, that damage is covered by the homeowner policy, less your deductible. It will also pay to take out the wall to get to the leaking pipe, but not to repair the pipe. Again this all is subject to your deductible.If there is mold or wet or dry rot involved in the damage, that is not covered, since that type of loss occurs over time, so is not sudden and accidental.If you have damage to the home other than the pipe or rot, confirm your deductible. If the damage is over the deductible, call the adjuster and ask them to reopen the claim.


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