Burst Pipe Insurance Claim: What's Covered and Why Frozen Pipe Claims Get Denied
A burst pipe insurance claim rarely turns on whether the pipe broke. It turns on why the pipe failed, whether the wall opened to reach it is in the estimate, and whether the heat was on. Here is what the standard homeowners policy pays and what the freeze exclusion takes away.
Is the HOA Responsible for Water Damage? It Depends on What Got Wet and Why
When water comes through a condo ceiling, the association's policy and your own usually both cover part of the loss. Which part is yours depends on what got wet and why it got wet, and Florida, Minnesota and Wisconsin answer that differently.