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I'm afraid this would be very difficult claim to make. Homeowners claims are accidents that must be due to a covered cause. Remember the terms sudden and accidental in homeowners claims. Something that happened without you knowing it is probably neither sudden nor accidental. Most likely you are talking about a maintenance issue rather than a claimable issue. There is no problem in talking with you agent about the issue and get their advice on the item.

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Q: Can you make a home insurance claim on damage that obvious had been there a while but you only discover it by moving furniture and wall hangings?
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