fishythepete t1_jclbjd3 wrote on March 17, 2023 at 5:37 PM

Reply to comment by Pukis401 in How much did your bathroom cost to renovate? by Il_vino_buono

HO insurance (and most insurance for that matter) pays for damage arising from a sudden and accidental loss - ie your pipes burst. It does not cover a slow leak that causes damage over a long period.

Pukis401 t1_jcoiova wrote on March 18, 2023 at 10:22 AM

They will absolutely cover a leak that went unnoticed for a period of time. I do insurance jobs regularly, in fact I just remodeled a kitchen where a dishwasher was leaking for an extended period of time and ruined the hardwood floor and the cabinets wicked up the water. The client got 45k from their insurance to install new cabinets, granite countertops, hardwood floors etc….