reimbursement of propane tank/ lines leak

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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: Feb 18, 2014

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Insurance Question from Cato, NY

Asked on 02/18/2014

reimbursement of propane tank/ lines leak we just found out we have a leak in our buried propane tank and or lines is the repair covered under our homeowners policy. and is the propane bill that we owe reimbursable cause it was just leaking out and company was notified months prior.....

Answer given on February 22, 2014

Homeowner insurance provides coverage for damages to your home and personal property for sudden and accidental damage. Pipes or equipment outside of the home is not covered by the insurance policy since it is separate from the home. If there is damage to the home itself due to the pipe damage, then there may be coverage for that damage. Any deductible you have on the homeowner policy will apply to that damage. The propane loss is also not considered sudden and accidental since it has been going on for a period of time, and it will not be considered personal property, so the loss of propane is also excluded from the policy.This type of loss is considered a maintenance issue, and homeowner insurance is not intended to address any maintenance issue.You should contact your supplier of propane to see if they will allow a credit due to the loss by leakage. They may be willing to assist you in this situation.

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