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The other person's insurance will have to cover their OWN damage. If a tree in your yard falls onto your neighbor's house, the neighbor has to use their own insurance. So it works the same for your case. Your insurance will cover your damages and the nieghbor's insurance will cover their own ceiling.

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โˆ™ 2006-04-05 21:13:08
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Q: Are dishwasher leaks causing damage to another unit's ceiling covered by homeowner's insurance?
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It sounds like you have a maintenance issue rather than a covered cause. For example, if a water heater leaks over time causing damage then it is maintenance and therefore not covered under your homeowners policy. If the water heater burst open or splits causing water damage then the damage would be covered even though the water heater itself is not covered. The difference is it must be sudden and accidental. Also with a dishwasher you should be able to see it and get the water up thus keeping it from causing damage.

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Would homeowners insurance cover damage from a leaking gutter that damaged an enclosed porch ceiling and items on the porch?

No. Homeowners insurance is probably the best bargain in insurance by offering a great deal of coverages for a surprisingly small premium. The situation you are describing is not an insurance matter but a maintenance issue. It is not made to cover maintenance of the home but covers accidents that are "sudden and accidental". Homeowners insurance covers incidents that are caused by a covered cause such as theft, fire, lightning, windstorm, vandalism, weight of ice and snow, and many others. Things that happen over a long period of time are maintenance and are therefore not sudden or accidental and are not covered. An example would be a leaking roof caused by condensation from the A/C is not covered but if a storm caused a tree limb to fall on the roof poking a hole and causing a leak then damage would be covered.

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I have noticed my silverware turning darker after a dishwasher run. What is causing this?

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