The water came in through the ceiling down the wall to the floor -into the basement even

 

  • Dave I 8:03 am on March 3, 2010

    homeinsurance.awardspace.us – try this one. I just get home insurance from them. As I know they provide such a service.

  • mbrcatz 8:03 am on March 3, 2010

    There is more than one type of homeowners policy.

    On the standard HO3 form, as long as the house is owner occupied, this would be covered. But it takes a LONG LONG LONG time for water to get all the way down to the basement.

    I think there would be a STRONG suspision that this is not an ice dam situation – but an ongoing maintenance issue, ignored by the homeowner. The adjuster will be able to tell if the damage is new, or ongoing.

    Ongoing damage would LIKELY be excluded.

    • People are reading:

    i think I had damage due to ice damming, water damage due to ice on roofs