Legal Question in Insurance Law in New York
A drain backed up in my garage which keeps potential run off water from getting into my home. I carry the sewer drain and sump pump coverage so danag eshould be convered. Coverage does not cover the repair to the actual item that failed. In this case the drain pie and the drain system. Though Homeowners policy should pay for the necessary costs to access the drain and drainage system and the repair caused by access. Please let me know the industry standard regarding this case.
2 Answers from Attorneys
You need your policy reviewed. If any controversies or coverage interpretations by court, you will be notified upon further legal research.
The industry standard is DENY DELAY DEFEND. "Oooh, it's water. You have no coverage." Talk to an insurance recovery lawyer (like me). Coverage for the pump will depend on what caused the failure.
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