An often misunderstood claim involves pipes that leak from within a confined wall space. Leaking water can cause serious damage to drywall surfaces. If a leaking pipe goes unnoticed for a period of time, mold can accumulate in the wall and require expensive remediation.
You now have determined that the large wet spot on the ceiling of your living room presents a problem and you give us a call. We explain that there is no coverage for the leaking pipe itself if the cause of the loss is gradual deterioration, or wear and tear. It is not sensible for a homeowners policy to pay for loss because something is wearing out. If it is determined that the damage was caused by the sudden release of water from with in a plumbing system, and if the loss to property is caused by water not otherwise excluded in the policy, the cost to tear out and replace that part of the structure that is required to be removed to get to the burst or leaking pipe section or joint would be covered.