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Home Insurance Question from Central Islip, New York
Answer given on December 22, 2018
Homeowner insurance covers damages to a home for "sudden and accidental" damage to the home. If your gas heater was rusted due to a broken pipe it would be considered a maintenance issue. The ensuing mold would also be considered a maintenance issue since you did not repair the broken pipe that caused the rusty heater, and probably the mold. Mold is a very limited coverage under the homeowner policy now and the maximum limit is around $5,000. It is very unlikely that your insurance company will honor any claim you file for these damages unless you can provide additional explanation of the damage to the home.
You also indicate "weather" as a cause of loss. If the heater was inside, it doesn't make sense that weather would be a factor in the claim. If the home was vacant and these damages occured, there would be an exclusion since the home was not properly maintained while unoccupied or vacant.
NOTE: The IMPORTANT NOTICE below is a part of this answer!
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