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I don't know about a water main break but i had a main drain line cap come off under my house causing my crawl space t become the sewer for approx. 1 and half months until we finally noticed the smell. I had the fixed but all the water that had ran under my house caused it to sink in some spots. I would think normal settling of a house would be over a time span not sinking 2 to 3 inches in a period of 2 months. I was wrong, my insurance co (s.f.) said that it couldn't be covered because the house was settling. I had 3 estimates stating that the damage was caused by the drain problem. I guess as their slogan shoud state "money for nothing" is what ive got to live with, along with rolling off my bed when i sleep.

AnswerIf the insurance company fails you in this way, you might want to go looking for a lawyer that can sue your insurance company and/or the person (or entity) that owned the pipe that leaked.

You should call your state insurance commissioner, and your state representative about this-for some reason, insurance companies are intimidated by those two types of entities! And they are free. I would go to a lawyer as a last resort.

Report the claim, and see what your companys stance is. I would recommend if it is denied to appeal the decision to your states dept. of insurance. As a side note, a similar thing occured to two homeowners in the city I live it, but it was a sewer line, the homeowners insurance denied the claim, the homeowners successfully sued the city, as they owned the sewer system, and won their case, it was far in excess of 100k. Good luck..

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โˆ™ 2011-09-13 17:53:36
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Q: Will homeowner insurance cover the cost of repairs to the foundation of a house that was damaged when a water main nearby broke?
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